Many Americans don’t fully understand which spending and debt activity is tracked to determine their credit score and which isn’t, according to a new TransUnion survey. “Only 29% correctly identified mortgage payments as data that is regularly reported to credit bureaus,” HousingWire reports. At the same time, the majority of people mistakenly believed that payments for cable, utilities and cell phone contracts were regularly reported. Read more from HousingWire.

In other headlines:

Rollout is slow for FICO’s new credit scoring model – Chicago Tribune

Owning a Home Is Cheaper Than Renting – U.S. News and World Report

Area housing sales, prices down from August to September – State Journal Register

Home sales improve again in third quarter – The Peorian

Office market thriving in office, suburbs – REJournals

Major Incentives for Home Buyers This Fall – Daily Real Estate News