Imagine paying your debt and having it disappear from your credit report, only to see it resurrected years later haunting your credit score. It’s called “zombie debt”, and while it may sound like a term out of a horror film, Jesse James shares his personal story dealing with this issue that plagues consumers, even forcing some to take legal action against collection agencies for debts they’ve already paid.

According to a new report from NerdWallet, 61% of Americans plan to take measures to boost their credit score over the next 12 months. Consumer Investigator Rachel DePompa shares common credit myths to avoid while working to increase your score.