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Plenty of people on below-average incomes have stellar scores, while many seriously wealthy individuals would struggle to get a cell phone account without first paying a deposit. It may take you a while to get current with all your accounts, and then build a record of prompt payments, but, once you have, your score can change dramatically and relatively quickly.

Vantage Score says that its systems can see the impact of even a default fade away to nothing over 18 months or so -- providing you maintain a perfect record during that period on all your accounts.

"You want to keep your balances on your credit cards below 30 percent as a minimum, if not lower," says . You're rewarded a little more for 20 percent, and a little more for 10 percent, but the difference between 10, 20 and 30 is minimal." This explodes another myth: that having too many credit cards hurts your score.

Providing you use only a small proportion of your available credit, you can have as many as you need.

The single biggest determinant of your credit score (accounting for 35 percent of it, according to FICO) is your record for making payments.

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