Let me condense the "myths":"

1. Its misnamed, its Fecal score
2. Any entity that uses it, makes more money with the lower the customers score by charging disproportionate higher rates, the key word here is "disproportionate", meaning inflated
3. The lower ones score, the weaker a customers bargaining position financially is on anything, ie credit, car insurance, etc
4. The credit scoring companies will NEVER disclose exactly how your score is derived, think "mushroom", as that dispels the "myth"
5. Lowest score is "300", know anyone with a 300, and what do you have to do to get a 300?