Yes, you can choose not to use your credit. However, doing so may lower your credit score due to inactivity. It's best to use credit occasionally to keep your credit history active and maintain a healthy score.

FICO scores mainly use data from the three major credit bureaus—Equifax, Experian, and TransUnion. They consider factors like payment history, credit utilization, and the length of your credit history. In contrast, VantageScore also looks at these factors but places more emphasis on recent credit behavior and trends.

Yes, your credit can be repaired. Many people face credit challenges, but with the right steps, you can improve your score. This may involve correcting inaccuracies, making timely payments, and creating a solid plan. It's a process, but here at PConsulting, we are passionate about making resources available to help you through it.