score. do you have a score? to do that easier than ever. go to credit karma. com. bunch of websites out there, but this one is easy town use, it is free. >> it won't affect you at all? >> won't affect your credit score. with few key strokes uma see from a score, you might say gee it looks awful low. below 720 it is low. work on. that will second thing, call your cable company, call your electric company, call your cell phone company. >> send me bills? >> ask them to send your bill history to the credit agency. they'll know what you are talking about. that will help your file grow your credit file. next thing to do, apply for what's called retail credit card. that kohl's card, target card, macy's, they denned to be easier to get. it is good way for lot of consumers specially younger consumers to get on the train so to speak when it comes to kit. last thing check out www.better money habit. com. great little free website. lots of tips on how to get a score. how to run up the score. that's our goal. >> what's your credit score smarty pants? >> let's say it is over 800 thank you very much.