Credit Score facts and fallacies

Fallacy: My credit score is the only factor that determines whether or not I get credit.
Fallacy: If I get a low credit score, it will stick with me always.
Fallacy: I am a minority, heck my score will be low!
Fallacy: During credit score evaluation, my privacy is breached!
Fallacy: If I apply for new credit, my score will nosedive
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