A former FICO executive, now head of VideoCreditScore, knocks down 10 common misconceptions and myths of the seemingly monolithic, impenetrable credit score. Learn the real deal on credit cards, frequent checking, and the 50-point "swings."Here's Andy Jolls dishing out 10 answers in 60 seconds:If you're at work or otherwise unable to watch video, follow the link below to the full post from I Will Teach You To Be Rich, where Jolls' 10 truths are outlined in good ol' text. While you're learning more about your real credit valuation, read up on the recent FICO score calculation changes and check out how to get a free FICO score estimation(which, funny enough, ranges in about the 50-point swing Jolls says any two bureaus may differ by).