MAKE MAKE YOUR MAKE YOUR NEXT MAKE YOUR NEXT MINIMUM MAKE YOUR NEXT MINIMUM PAYMENT.

MAKE YOUR NEXT MINIMUM PAYMENT.

>>> MAKE YOUR NEXT MINIMUM PAYMENT.

>>> A MAKE YOUR NEXT MINIMUM PAYMENT.

>>> A NEW MAKE YOUR NEXT MINIMUM PAYMENT.

>>> A NEW SURVEY MAKE YOUR NEXT MINIMUM PAYMENT.

>>> A NEW SURVEY BY >>> A NEW SURVEY BY >>> A NEW SURVEY BYCREDITCARDS.

COM >>> A NEW SURVEY BYCREDITCARDS.

COM CAME >>> A NEW SURVEY BYCREDITCARDS.

COM CAME OUT CREDITCARDS.

COM CAME OUT CREDITCARDS.

COM CAME OUTRECENTLY CREDITCARDS.

COM CAME OUTRECENTLY AND CREDITCARDS.

COM CAME OUTRECENTLY AND FOUND CREDITCARDS.

COM CAME OUTRECENTLY AND FOUND OUT CREDITCARDS.

COM CAME OUTRECENTLY AND FOUND OUT 22% CREDITCARDS.

COM CAME OUTRECENTLY AND FOUND OUT 22% OF RECENTLY AND FOUND OUT 22% OF RECENTLY AND FOUND OUT 22% OFCREDIT RECENTLY AND FOUND OUT 22% OFCREDIT CARD RECENTLY AND FOUND OUT 22% OFCREDIT CARD HOLDERS RECENTLY AND FOUND OUT 22% OFCREDIT CARD HOLDERS MAINTAIN RECENTLY AND FOUND OUT 22% OFCREDIT CARD HOLDERS MAINTAIN A CREDIT CARD HOLDERS MAINTAIN A CREDIT CARD HOLDERS MAINTAIN ABALANCE CREDIT CARD HOLDERS MAINTAIN ABALANCE TO CREDIT CARD HOLDERS MAINTAIN ABALANCE TO HELP CREDIT CARD HOLDERS MAINTAIN ABALANCE TO HELP THEIR CREDIT CARD HOLDERS MAINTAIN ABALANCE TO HELP THEIR CREDIT BALANCE TO HELP THEIR CREDIT BALANCE TO HELP THEIR CREDITSCORE.

SCORE.

SCORE.

SOUND SCORE.

SOUND FAMILIAR? SOUND FAMILIAR? SOUND FAMILIAR?YEAH, SOUND FAMILIAR?YEAH, I SOUND FAMILIAR?YEAH, I HEARD SOUND FAMILIAR?YEAH, I HEARD IT SOUND FAMILIAR?YEAH, I HEARD IT TOO SOUND FAMILIAR?YEAH, I HEARD IT TOO GROWING YEAH, I HEARD IT TOO GROWING YEAH, I HEARD IT TOO GROWINGUP.

UP.

UP.

IS UP.

IS IT UP.

IS IT TRUE? IS IT TRUE? IS IT TRUE?WELL IS IT TRUE?WELL U.

S.

A.

WELL U.

S.

A.

WELL U.

S.

A.

TODAY WELL U.

S.

A.

TODAY WROTE WELL U.

S.

A.

TODAY WROTE ABOUT WELL U.

S.

A.

TODAY WROTE ABOUT IT WELL U.

S.

A.

TODAY WROTE ABOUT IT AND, WELL U.

S.

A.

TODAY WROTE ABOUT IT AND, "A TODAY WROTE ABOUT IT AND, "A TODAY WROTE ABOUT IT AND, "ASENIOR TODAY WROTE ABOUT IT AND, "ASENIOR INDUSTRY TODAY WROTE ABOUT IT AND, "ASENIOR INDUSTRY ANALYST TODAY WROTE ABOUT IT AND, "ASENIOR INDUSTRY ANALYST AT SENIOR INDUSTRY ANALYST AT SENIOR INDUSTRY ANALYST ATCREDITCARDS.

COM SENIOR INDUSTRY ANALYST ATCREDITCARDS.

COM WHO SENIOR INDUSTRY ANALYST ATCREDITCARDS.

COM WHO CALLS SENIOR INDUSTRY ANALYST ATCREDITCARDS.

COM WHO CALLS THIS CREDITCARDS.

COM WHO CALLS THIS CREDITCARDS.

COM WHO CALLS THISA CREDITCARDS.

COM WHO CALLS THISA MYTH CREDITCARDS.

COM WHO CALLS THISA MYTH THAT CREDITCARDS.

COM WHO CALLS THISA MYTH THAT HAS CREDITCARDS.

COM WHO CALLS THISA MYTH THAT HAS BEEN CREDITCARDS.

COM WHO CALLS THISA MYTH THAT HAS BEEN DEBUNKED A MYTH THAT HAS BEEN DEBUNKED A MYTH THAT HAS BEEN DEBUNKEDBEFORE.

" BEFORE.

" BEFORE.

"SO BEFORE.

"SO IT'S BEFORE.

"SO IT'S NOT BEFORE.

"SO IT'S NOT TRUE.

SO IT'S NOT TRUE.

SO IT'S NOT TRUE.

THAT'S SO IT'S NOT TRUE.

THAT'S A SO IT'S NOT TRUE.

THAT'S A NICE SO IT'S NOT TRUE.

THAT'S A NICE STORY SO IT'S NOT TRUE.

THAT'S A NICE STORY DONE.

THAT'S A NICE STORY DONE.

THAT'S A NICE STORY DONE.

THE THAT'S A NICE STORY DONE.

THE CREDIT THAT'S A NICE STORY DONE.

THE CREDIT SCORE THAT'S A NICE STORY DONE.

THE CREDIT SCORE MOST THAT'S A NICE STORY DONE.

THE CREDIT SCORE MOST OFTEN THE CREDIT SCORE MOST OFTEN THE CREDIT SCORE MOST OFTENUSED THE CREDIT SCORE MOST OFTENUSED COMES THE CREDIT SCORE MOST OFTENUSED COMES FROM THE CREDIT SCORE MOST OFTENUSED COMES FROM THE THE CREDIT SCORE MOST OFTENUSED COMES FROM THE FAIR THE CREDIT SCORE MOST OFTENUSED COMES FROM THE FAIR ISAAC USED COMES FROM THE FAIR ISAAC USED COMES FROM THE FAIR ISAACCORPORATION USED COMES FROM THE FAIR ISAACCORPORATION OR USED COMES FROM THE FAIR ISAACCORPORATION OR FICO USED COMES FROM THE FAIR ISAACCORPORATION OR FICO AS USED COMES FROM THE FAIR ISAACCORPORATION OR FICO AS MOST CORPORATION OR FICO AS MOST CORPORATION OR FICO AS MOSTKNOWS CORPORATION OR FICO AS MOSTKNOWS IT.

KNOWS IT.

KNOWS IT.

THEY KNOWS IT.

THEY EXPLAIN KNOWS IT.

THEY EXPLAIN THE KNOWS IT.

THEY EXPLAIN THE FIVE KNOWS IT.

THEY EXPLAIN THE FIVE ELEMENTS THEY EXPLAIN THE FIVE ELEMENTS THEY EXPLAIN THE FIVE ELEMENTSTHAT THEY EXPLAIN THE FIVE ELEMENTSTHAT MAKES THEY EXPLAIN THE FIVE ELEMENTSTHAT MAKES UP THEY EXPLAIN THE FIVE ELEMENTSTHAT MAKES UP ONE'S THEY EXPLAIN THE FIVE ELEMENTSTHAT MAKES UP ONE'S CREDIT THAT MAKES UP ONE'S CREDIT THAT MAKES UP ONE'S CREDITSCORE, THAT MAKES UP ONE'S CREDITSCORE, NEW THAT MAKES UP ONE'S CREDITSCORE, NEW CREDIT, THAT MAKES UP ONE'S CREDITSCORE, NEW CREDIT, LENGTH THAT MAKES UP ONE'S CREDITSCORE, NEW CREDIT, LENGTH OF SCORE, NEW CREDIT, LENGTH OF SCORE, NEW CREDIT, LENGTH OFCREDIT SCORE, NEW CREDIT, LENGTH OFCREDIT HISTORY, SCORE, NEW CREDIT, LENGTH OFCREDIT HISTORY, AND SCORE, NEW CREDIT, LENGTH OFCREDIT HISTORY, AND CREDIT SCORE, NEW CREDIT, LENGTH OFCREDIT HISTORY, AND CREDIT MIX.

CREDIT HISTORY, AND CREDIT MIX.

CREDIT HISTORY, AND CREDIT MIX.

IF CREDIT HISTORY, AND CREDIT MIX.

IF YOU CREDIT HISTORY, AND CREDIT MIX.

IF YOU LOOK CREDIT HISTORY, AND CREDIT MIX.

IF YOU LOOK A CREDIT HISTORY, AND CREDIT MIX.

IF YOU LOOK A LITTLE CREDIT HISTORY, AND CREDIT MIX.

IF YOU LOOK A LITTLE DEEPER IF YOU LOOK A LITTLE DEEPER IF YOU LOOK A LITTLE DEEPERINTO IF YOU LOOK A LITTLE DEEPERINTO AMOUNTS IF YOU LOOK A LITTLE DEEPERINTO AMOUNTS OWED, IF YOU LOOK A LITTLE DEEPERINTO AMOUNTS OWED, YOU IF YOU LOOK A LITTLE DEEPERINTO AMOUNTS OWED, YOU WILL IF YOU LOOK A LITTLE DEEPERINTO AMOUNTS OWED, YOU WILL SEE INTO AMOUNTS OWED, YOU WILL SEE INTO AMOUNTS OWED, YOU WILL SEETHIS INTO AMOUNTS OWED, YOU WILL SEETHIS STATEMENT.

THIS STATEMENT.

THIS STATEMENT.

"IN THIS STATEMENT.

"IN SOME THIS STATEMENT.

"IN SOME CASES THIS STATEMENT.

"IN SOME CASES A THIS STATEMENT.

"IN SOME CASES A LOW THIS STATEMENT.

"IN SOME CASES A LOW CREDIT "IN SOME CASES A LOW CREDIT "IN SOME CASES A LOW CREDITUTILIZATION "IN SOME CASES A LOW CREDITUTILIZATION RATIO, "IN SOME CASES A LOW CREDITUTILIZATION RATIO, MEANING "IN SOME CASES A LOW CREDITUTILIZATION RATIO, MEANING A UTILIZATION RATIO, MEANING A UTILIZATION RATIO, MEANING ASMALL UTILIZATION RATIO, MEANING ASMALL BALANCE, UTILIZATION RATIO, MEANING ASMALL BALANCE, WILL UTILIZATION RATIO, MEANING ASMALL BALANCE, WILL HAVE UTILIZATION RATIO, MEANING ASMALL BALANCE, WILL HAVE A UTILIZATION RATIO, MEANING ASMALL BALANCE, WILL HAVE A MORE SMALL BALANCE, WILL HAVE A MORE SMALL BALANCE, WILL HAVE A MOREPOSITIVE SMALL BALANCE, WILL HAVE A MOREPOSITIVE IMPACT SMALL BALANCE, WILL HAVE A MOREPOSITIVE IMPACT ON SMALL BALANCE, WILL HAVE A MOREPOSITIVE IMPACT ON YOUR SMALL BALANCE, WILL HAVE A MOREPOSITIVE IMPACT ON YOUR FICO POSITIVE IMPACT ON YOUR FICO POSITIVE IMPACT ON YOUR FICOSCORES.

" SCORES.

" SCORES.

"SO SCORES.

"SO ONE SCORES.

"SO ONE SOURCE SCORES.

"SO ONE SOURCE SAYS SCORES.

"SO ONE SOURCE SAYS IT'S SCORES.

"SO ONE SOURCE SAYS IT'S TRUE, SO ONE SOURCE SAYS IT'S TRUE, SO ONE SOURCE SAYS IT'S TRUE,ANOTHER SO ONE SOURCE SAYS IT'S TRUE,ANOTHER SOURCE SO ONE SOURCE SAYS IT'S TRUE,ANOTHER SOURCE SAYS SO ONE SOURCE SAYS IT'S TRUE,ANOTHER SOURCE SAYS IT'S SO ONE SOURCE SAYS IT'S TRUE,ANOTHER SOURCE SAYS IT'S A ANOTHER SOURCE SAYS IT'S A ANOTHER SOURCE SAYS IT'S AMYTH.

MYTH.

MYTH.

WHICH MYTH.

WHICH IS MYTH.

WHICH IS IT? WHICH IS IT? WHICH IS IT?>> WHICH IS IT?>> I WHICH IS IT?>> I THINK WHICH IS IT?>> I THINK IT WHICH IS IT?>> I THINK IT IS WHICH IS IT?>> I THINK IT IS MISLEADING WHICH IS IT?>> I THINK IT IS MISLEADING TO >> I THINK IT IS MISLEADING TO >> I THINK IT IS MISLEADING TOSAY >> I THINK IT IS MISLEADING TOSAY IT >> I THINK IT IS MISLEADING TOSAY IT IS >> I THINK IT IS MISLEADING TOSAY IT IS A >> I THINK IT IS MISLEADING TOSAY IT IS A TOTAL >> I THINK IT IS MISLEADING TOSAY IT IS A TOTAL MYTH.

SAY IT IS A TOTAL MYTH.

SAY IT IS A TOTAL MYTH.

>> SAY IT IS A TOTAL MYTH.

>> Reporter: SAY IT IS A TOTAL MYTH.

>> Reporter: WE SAY IT IS A TOTAL MYTH.

>> Reporter: WE SPOKE SAY IT IS A TOTAL MYTH.

>> Reporter: WE SPOKE TO >> Reporter: WE SPOKE TO >> Reporter: WE SPOKE TOCONSUMER >> Reporter: WE SPOKE TOCONSUMER RIGHTS >> Reporter: WE SPOKE TOCONSUMER RIGHTS ATTORNEY >> Reporter: WE SPOKE TOCONSUMER RIGHTS ATTORNEY WHO CONSUMER RIGHTS ATTORNEY WHO CONSUMER RIGHTS ATTORNEY WHOSAYS CONSUMER RIGHTS ATTORNEY WHOSAYS FIRST CONSUMER RIGHTS ATTORNEY WHOSAYS FIRST OFF, CONSUMER RIGHTS ATTORNEY WHOSAYS FIRST OFF, FICO CONSUMER RIGHTS ATTORNEY WHOSAYS FIRST OFF, FICO ISN'T CONSUMER RIGHTS ATTORNEY WHOSAYS FIRST OFF, FICO ISN'T THE SAYS FIRST OFF, FICO ISN'T THE SAYS FIRST OFF, FICO ISN'T THEONLY SAYS FIRST OFF, FICO ISN'T THEONLY COMPANY SAYS FIRST OFF, FICO ISN'T THEONLY COMPANY SCORING SAYS FIRST OFF, FICO ISN'T THEONLY COMPANY SCORING YOUR ONLY COMPANY SCORING YOUR ONLY COMPANY SCORING YOURCREDIT.

CREDIT.

CREDIT.

ALL CREDIT.

ALL THREE CREDIT.

ALL THREE CREDIT CREDIT.

ALL THREE CREDIT BUREAUS CREDIT.

ALL THREE CREDIT BUREAUS DO CREDIT.

ALL THREE CREDIT BUREAUS DO AS ALL THREE CREDIT BUREAUS DO AS ALL THREE CREDIT BUREAUS DO ASWELL ALL THREE CREDIT BUREAUS DO ASWELL AND ALL THREE CREDIT BUREAUS DO ASWELL AND THEY ALL THREE CREDIT BUREAUS DO ASWELL AND THEY EACH ALL THREE CREDIT BUREAUS DO ASWELL AND THEY EACH HAVE ALL THREE CREDIT BUREAUS DO ASWELL AND THEY EACH HAVE THEIR WELL AND THEY EACH HAVE THEIR WELL AND THEY EACH HAVE THEIROWN WELL AND THEY EACH HAVE THEIROWN SECRET WELL AND THEY EACH HAVE THEIROWN SECRET FORMULA.

OWN SECRET FORMULA.

OWN SECRET FORMULA.

>> OWN SECRET FORMULA.

>> THE OWN SECRET FORMULA.

>> THE IDEA OWN SECRET FORMULA.

>> THE IDEA IS OWN SECRET FORMULA.

>> THE IDEA IS PROBABLY OWN SECRET FORMULA.

>> THE IDEA IS PROBABLY THAT OWN SECRET FORMULA.

>> THE IDEA IS PROBABLY THAT IF >> THE IDEA IS PROBABLY THAT IF >> THE IDEA IS PROBABLY THAT IFYOU >> THE IDEA IS PROBABLY THAT IFYOU HAVE >> THE IDEA IS PROBABLY THAT IFYOU HAVE SHOWN >> THE IDEA IS PROBABLY THAT IFYOU HAVE SHOWN YOURSELF >> THE IDEA IS PROBABLY THAT IFYOU HAVE SHOWN YOURSELF CAPABLE YOU HAVE SHOWN YOURSELF CAPABLE YOU HAVE SHOWN YOURSELF CAPABLEOF YOU HAVE SHOWN YOURSELF CAPABLEOF MANAGING YOU HAVE SHOWN YOURSELF CAPABLEOF MANAGING YOUR YOU HAVE SHOWN YOURSELF CAPABLEOF MANAGING YOUR DEBTS, YOU HAVE SHOWN YOURSELF CAPABLEOF MANAGING YOUR DEBTS, THEN OF MANAGING YOUR DEBTS, THEN OF MANAGING YOUR DEBTS, THENYOU OF MANAGING YOUR DEBTS, THENYOU ARE OF MANAGING YOUR DEBTS, THENYOU ARE A OF MANAGING YOUR DEBTS, THENYOU ARE A RESPONSIBLE OF MANAGING YOUR DEBTS, THENYOU ARE A RESPONSIBLE BORROWER.

YOU ARE A RESPONSIBLE BORROWER.

YOU ARE A RESPONSIBLE BORROWER.

IF YOU ARE A RESPONSIBLE BORROWER.

IF YOU YOU ARE A RESPONSIBLE BORROWER.

IF YOU HAVE YOU ARE A RESPONSIBLE BORROWER.

IF YOU HAVE NEVER YOU ARE A RESPONSIBLE BORROWER.

IF YOU HAVE NEVER HAD YOU ARE A RESPONSIBLE BORROWER.

IF YOU HAVE NEVER HAD ANY YOU ARE A RESPONSIBLE BORROWER.

IF YOU HAVE NEVER HAD ANY DEBT IF YOU HAVE NEVER HAD ANY DEBT IF YOU HAVE NEVER HAD ANY DEBTOR IF YOU HAVE NEVER HAD ANY DEBTOR DON'T IF YOU HAVE NEVER HAD ANY DEBTOR DON'T HAVE IF YOU HAVE NEVER HAD ANY DEBTOR DON'T HAVE ANY IF YOU HAVE NEVER HAD ANY DEBTOR DON'T HAVE ANY DEBT IF YOU HAVE NEVER HAD ANY DEBTOR DON'T HAVE ANY DEBT THEN OR DON'T HAVE ANY DEBT THEN OR DON'T HAVE ANY DEBT THENTHERE'S OR DON'T HAVE ANY DEBT THENTHERE'S NO OR DON'T HAVE ANY DEBT THENTHERE'S NO HISTORY OR DON'T HAVE ANY DEBT THENTHERE'S NO HISTORY OR OR DON'T HAVE ANY DEBT THENTHERE'S NO HISTORY OR EVIDENCE THERE'S NO HISTORY OR EVIDENCE THERE'S NO HISTORY OR EVIDENCEOF THERE'S NO HISTORY OR EVIDENCEOF WHETHER THERE'S NO HISTORY OR EVIDENCEOF WHETHER YOU THERE'S NO HISTORY OR EVIDENCEOF WHETHER YOU CAN THERE'S NO HISTORY OR EVIDENCEOF WHETHER YOU CAN MANAGE THERE'S NO HISTORY OR EVIDENCEOF WHETHER YOU CAN MANAGE DEBT OF WHETHER YOU CAN MANAGE DEBT OF WHETHER YOU CAN MANAGE DEBTRESPONSIBLY.

RESPONSIBLY.

RESPONSIBLY.

BUT RESPONSIBLY.

BUT IT'S RESPONSIBLY.

BUT IT'S A RESPONSIBLY.

BUT IT'S A LITTLE RESPONSIBLY.

BUT IT'S A LITTLE BIT BUT IT'S A LITTLE BIT BUT IT'S A LITTLE BITSPECULATIVE BUT IT'S A LITTLE BITSPECULATIVE BECAUSE BUT IT'S A LITTLE BITSPECULATIVE BECAUSE OF BUT IT'S A LITTLE BITSPECULATIVE BECAUSE OF TRADE SPECULATIVE BECAUSE OF TRADE SPECULATIVE BECAUSE OF TRADESECRETS.

SECRETS.

SECRETS.

THERE SECRETS.

THERE IS SECRETS.

THERE IS PROBABLY SECRETS.

THERE IS PROBABLY A SECRETS.

THERE IS PROBABLY A GRAIN SECRETS.

THERE IS PROBABLY A GRAIN OF THERE IS PROBABLY A GRAIN OF THERE IS PROBABLY A GRAIN OFTRUTH THERE IS PROBABLY A GRAIN OFTRUTH TO THERE IS PROBABLY A GRAIN OFTRUTH TO IT, THERE IS PROBABLY A GRAIN OFTRUTH TO IT, BUT THERE IS PROBABLY A GRAIN OFTRUTH TO IT, BUT IT'S THERE IS PROBABLY A GRAIN OFTRUTH TO IT, BUT IT'S HARD THERE IS PROBABLY A GRAIN OFTRUTH TO IT, BUT IT'S HARD TO TRUTH TO IT, BUT IT'S HARD TO TRUTH TO IT, BUT IT'S HARD TOSAY TRUTH TO IT, BUT IT'S HARD TOSAY FOR TRUTH TO IT, BUT IT'S HARD TOSAY FOR CERTAIN TRUTH TO IT, BUT IT'S HARD TOSAY FOR CERTAIN EXACTLY TRUTH TO IT, BUT IT'S HARD TOSAY FOR CERTAIN EXACTLY HOW SAY FOR CERTAIN EXACTLY HOW SAY FOR CERTAIN EXACTLY HOWMUCH.

MUCH.

MUCH.

I MUCH.

I WOULD MUCH.

I WOULD SAY MUCH.

I WOULD SAY THE MUCH.

I WOULD SAY THE BOTTOM MUCH.

I WOULD SAY THE BOTTOM LINE MUCH.

I WOULD SAY THE BOTTOM LINE IS I WOULD SAY THE BOTTOM LINE IS I WOULD SAY THE BOTTOM LINE ISIT'S I WOULD SAY THE BOTTOM LINE ISIT'S A I WOULD SAY THE BOTTOM LINE ISIT'S A GOOD I WOULD SAY THE BOTTOM LINE ISIT'S A GOOD IDEA I WOULD SAY THE BOTTOM LINE ISIT'S A GOOD IDEA TO I WOULD SAY THE BOTTOM LINE ISIT'S A GOOD IDEA TO PAY I WOULD SAY THE BOTTOM LINE ISIT'S A GOOD IDEA TO PAY OFF IT'S A GOOD IDEA TO PAY OFF IT'S A GOOD IDEA TO PAY OFFYOUR IT'S A GOOD IDEA TO PAY OFFYOUR DEBTS IT'S A GOOD IDEA TO PAY OFFYOUR DEBTS AS IT'S A GOOD IDEA TO PAY OFFYOUR DEBTS AS MUCH IT'S A GOOD IDEA TO PAY OFFYOUR DEBTS AS MUCH AS IT'S A GOOD IDEA TO PAY OFFYOUR DEBTS AS MUCH AS YOU IT'S A GOOD IDEA TO PAY OFFYOUR DEBTS AS MUCH AS YOU CAN.

YOUR DEBTS AS MUCH AS YOU CAN.

YOUR DEBTS AS MUCH AS YOU CAN.

>> YOUR DEBTS AS MUCH AS YOU CAN.

>> Reporter: YOUR DEBTS AS MUCH AS YOU CAN.

>> Reporter: FINALLY YOUR DEBTS AS MUCH AS YOU CAN.

>> Reporter: FINALLY THEY YOUR DEBTS AS MUCH AS YOU CAN.

>> Reporter: FINALLY THEY OFFER >> Reporter: FINALLY THEY OFFER >> Reporter: FINALLY THEY OFFERMORE >> Reporter: FINALLY THEY OFFERMORE INSIGHT >> Reporter: FINALLY THEY OFFERMORE INSIGHT FROM >> Reporter: FINALLY THEY OFFERMORE INSIGHT FROM A >> Reporter: FINALLY THEY OFFERMORE INSIGHT FROM A FORMER >> Reporter: FINALLY THEY OFFERMORE INSIGHT FROM A FORMER VICE MORE INSIGHT FROM A FORMER VICE MORE INSIGHT FROM A FORMER VICEPRESIDENT MORE INSIGHT FROM A FORMER VICEPRESIDENT OF MORE INSIGHT FROM A FORMER VICEPRESIDENT OF FICO MORE INSIGHT FROM A FORMER VICEPRESIDENT OF FICO WHO MORE INSIGHT FROM A FORMER VICEPRESIDENT OF FICO WHO SAYS PRESIDENT OF FICO WHO SAYS PRESIDENT OF FICO WHO SAYSSOMETIMES PRESIDENT OF FICO WHO SAYSSOMETIMES HAVING PRESIDENT OF FICO WHO SAYSSOMETIMES HAVING A PRESIDENT OF FICO WHO SAYSSOMETIMES HAVING A 1% PRESIDENT OF FICO WHO SAYSSOMETIMES HAVING A 1% OF PRESIDENT OF FICO WHO SAYSSOMETIMES HAVING A 1% OF YOUR SOMETIMES HAVING A 1% OF YOUR SOMETIMES HAVING A 1% OF YOURMAX SOMETIMES HAVING A 1% OF YOURMAX BALANCE SOMETIMES HAVING A 1% OF YOURMAX BALANCE COULD SOMETIMES HAVING A 1% OF YOURMAX BALANCE COULD BE SOMETIMES HAVING A 1% OF YOURMAX BALANCE COULD BE BETTER MAX BALANCE COULD BE BETTER MAX BALANCE COULD BE BETTERTHAN MAX BALANCE COULD BE BETTERTHAN HAVING MAX BALANCE COULD BE BETTERTHAN HAVING A MAX BALANCE COULD BE BETTERTHAN HAVING A ZERO MAX BALANCE COULD BE BETTERTHAN HAVING A ZERO BALANCE THAN HAVING A ZERO BALANCE THAN HAVING A ZERO BALANCEBECAUSE THAN HAVING A ZERO BALANCEBECAUSE ARK, THAN HAVING A ZERO BALANCEBECAUSE ARK, ZERO THAN HAVING A ZERO BALANCEBECAUSE ARK, ZERO BALANCE THAN HAVING A ZERO BALANCEBECAUSE ARK, ZERO BALANCE COULD BECAUSE ARK, ZERO BALANCE COULD BECAUSE ARK, ZERO BALANCE COULDSAY BECAUSE ARK, ZERO BALANCE COULDSAY YOU BECAUSE ARK, ZERO BALANCE COULDSAY YOU ARE BECAUSE ARK, ZERO BALANCE COULDSAY YOU ARE RESERVING BECAUSE ARK, ZERO BALANCE COULDSAY YOU ARE RESERVING YOUR SAY YOU ARE RESERVING YOUR SAY YOU ARE RESERVING YOURCREDIT SAY YOU ARE RESERVING YOURCREDIT FOR SAY YOU ARE RESERVING YOURCREDIT FOR LARGE SAY YOU ARE RESERVING YOURCREDIT FOR LARGE FINANCIAL CREDIT FOR LARGE FINANCIAL CREDIT FOR LARGE FINANCIALEMERGENCIES CREDIT FOR LARGE FINANCIALEMERGENCIES AND CREDIT FOR LARGE FINANCIALEMERGENCIES AND MAY CREDIT FOR LARGE FINANCIALEMERGENCIES AND MAY NOT CREDIT FOR LARGE FINANCIALEMERGENCIES AND MAY NOT HAVE EMERGENCIES AND MAY NOT HAVE EMERGENCIES AND MAY NOT HAVETHE EMERGENCIES AND MAY NOT HAVETHE CASH EMERGENCIES AND MAY NOT HAVETHE CASH TO EMERGENCIES AND MAY NOT HAVETHE CASH TO PAY EMERGENCIES AND MAY NOT HAVETHE CASH TO PAY IT EMERGENCIES AND MAY NOT HAVETHE CASH TO PAY IT BACK.

THE CASH TO PAY IT BACK.

THE CASH TO PAY IT BACK.

AND THE CASH TO PAY IT BACK.

AND B, THE CASH TO PAY IT BACK.

AND B, A THE CASH TO PAY IT BACK.

AND B, A ZERO THE CASH TO PAY IT BACK.

AND B, A ZERO BALANCE THE CASH TO PAY IT BACK.

AND B, A ZERO BALANCE COULD AND B, A ZERO BALANCE COULD AND B, A ZERO BALANCE COULDMEAN AND B, A ZERO BALANCE COULDMEAN YOU AND B, A ZERO BALANCE COULDMEAN YOU RARELY AND B, A ZERO BALANCE COULDMEAN YOU RARELY USE AND B, A ZERO BALANCE COULDMEAN YOU RARELY USE CREDIT, MEAN YOU RARELY USE CREDIT, MEAN YOU RARELY USE CREDIT,WHICH MEAN YOU RARELY USE CREDIT,WHICH GIVES MEAN YOU RARELY USE CREDIT,WHICH GIVES LENDERS MEAN YOU RARELY USE CREDIT,WHICH GIVES LENDERS LITTLE WHICH GIVES LENDERS LITTLE WHICH GIVES LENDERS LITTLEINFORMATION WHICH GIVES LENDERS LITTLEINFORMATION ABOUT WHICH GIVES LENDERS LITTLEINFORMATION ABOUT YOUR WHICH GIVES LENDERS LITTLEINFORMATION ABOUT YOUR ABILITY INFORMATION ABOUT YOUR ABILITY INFORMATION ABOUT YOUR ABILITYTO INFORMATION ABOUT YOUR ABILITYTO PAY INFORMATION ABOUT YOUR ABILITYTO PAY BACK.

TO PAY BACK.

TO PAY BACK.

IN TO PAY BACK.

IN SUMMARY, TO PAY BACK.

IN SUMMARY, CREDITCARDS.

COM IN SUMMARY, CREDITCARDS.

COM IN SUMMARY, CREDITCARDS.

COMSAYS IN SUMMARY, CREDITCARDS.

COMSAYS HAVING IN SUMMARY, CREDITCARDS.

COMSAYS HAVING A IN SUMMARY, CREDITCARDS.

COMSAYS HAVING A SMALL IN SUMMARY, CREDITCARDS.

COMSAYS HAVING A SMALL CREDIT IN SUMMARY, CREDITCARDS.

COMSAYS HAVING A SMALL CREDIT CARD SAYS HAVING A SMALL CREDIT CARD SAYS HAVING A SMALL CREDIT CARDBALANCE SAYS HAVING A SMALL CREDIT CARDBALANCE CAN SAYS HAVING A SMALL CREDIT CARDBALANCE CAN MAKE SAYS HAVING A SMALL CREDIT CARDBALANCE CAN MAKE A SAYS HAVING A SMALL CREDIT CARDBALANCE CAN MAKE A SMALL BALANCE CAN MAKE A SMALL BALANCE CAN MAKE A SMALLIMPROVEMENT BALANCE CAN MAKE A SMALLIMPROVEMENT TO BALANCE CAN MAKE A SMALLIMPROVEMENT TO YOUR BALANCE CAN MAKE A SMALLIMPROVEMENT TO YOUR CREDIT IMPROVEMENT TO YOUR CREDIT IMPROVEMENT TO YOUR CREDITSCORE.

SCORE.

SCORE.

BUT SCORE.

BUT A SCORE.

BUT A $0 SCORE.

BUT A $0 BALANCE SCORE.

BUT A $0 BALANCE IS SCORE.

BUT A $0 BALANCE IS BETTER SCORE.

BUT A $0 BALANCE IS BETTER FOR BUT A $0 BALANCE IS BETTER FOR BUT A $0 BALANCE IS BETTER FORYOUR BUT A $0 BALANCE IS BETTER FORYOUR FINANCIAL BUT A $0 BALANCE IS BETTER FORYOUR FINANCIAL HEALTH.

YOUR FINANCIAL HEALTH.

YOUR FINANCIAL HEALTH.

>> YOUR FINANCIAL HEALTH.

>> ALL YOUR FINANCIAL HEALTH.

>> ALL RIGHT.

>> ALL RIGHT.

>> ALL RIGHT.

SO >> ALL RIGHT.

SO KIND >> ALL RIGHT.

SO KIND OF >> ALL RIGHT.

SO KIND OF GRAY, >> ALL RIGHT.

SO KIND OF GRAY, A >> ALL RIGHT.

SO KIND OF GRAY, A LITTLE SO KIND OF GRAY, A LITTLE SO KIND OF GRAY, A LITTLECONFUSING, SO KIND OF GRAY, A LITTLECONFUSING, I SO KIND OF GRAY, A LITTLECONFUSING, I GET SO KIND OF GRAY, A LITTLECONFUSING, I GET IT, SO KIND OF GRAY, A LITTLECONFUSING, I GET IT, BUT SO KIND OF GRAY, A LITTLECONFUSING, I GET IT, BUT IT'S CONFUSING, I GET IT, BUT IT'S CONFUSING, I GET IT, BUT IT'SMEANT CONFUSING, I GET IT, BUT IT'SMEANT TO CONFUSING, I GET IT, BUT IT'SMEANT TO BE CONFUSING, I GET IT, BUT IT'SMEANT TO BE THAT CONFUSING, I GET IT, BUT IT'SMEANT TO BE THAT WAY.

MEANT TO BE THAT WAY.

MEANT TO BE THAT WAY.

I MEANT TO BE THAT WAY.

I REACHED MEANT TO BE THAT WAY.

I REACHED OUT MEANT TO BE THAT WAY.

I REACHED OUT TO MEANT TO BE THAT WAY.

I REACHED OUT TO FICO MEANT TO BE THAT WAY.

I REACHED OUT TO FICO TO MEANT TO BE THAT WAY.

I REACHED OUT TO FICO TO GET MEANT TO BE THAT WAY.

I REACHED OUT TO FICO TO GET A I REACHED OUT TO FICO TO GET A I REACHED OUT TO FICO TO GET ACLARITY I REACHED OUT TO FICO TO GET ACLARITY ON I REACHED OUT TO FICO TO GET ACLARITY ON HOW I REACHED OUT TO FICO TO GET ACLARITY ON HOW A I REACHED OUT TO FICO TO GET ACLARITY ON HOW A SMALL I REACHED OUT TO FICO TO GET ACLARITY ON HOW A SMALL BALANCE CLARITY ON HOW A SMALL BALANCE CLARITY ON HOW A SMALL BALANCECOULD CLARITY ON HOW A SMALL BALANCECOULD IMPROVE CLARITY ON HOW A SMALL BALANCECOULD IMPROVE YOUR CLARITY ON HOW A SMALL BALANCECOULD IMPROVE YOUR SCORE, CLARITY ON HOW A SMALL BALANCECOULD IMPROVE YOUR SCORE, BUT COULD IMPROVE YOUR SCORE, BUT COULD IMPROVE YOUR SCORE, BUTDIDN'T COULD IMPROVE YOUR SCORE, BUTDIDN'T HEAR COULD IMPROVE YOUR SCORE, BUTDIDN'T HEAR BACK COULD IMPROVE YOUR SCORE, BUTDIDN'T HEAR BACK FROM COULD IMPROVE YOUR SCORE, BUTDIDN'T HEAR BACK FROM THEM.

DIDN'T HEAR BACK FROM THEM.

DIDN'T HEAR BACK FROM THEM.

BOTTOM DIDN'T HEAR BACK FROM THEM.

BOTTOM LINE, DIDN'T HEAR BACK FROM THEM.

BOTTOM LINE, INTEREST DIDN'T HEAR BACK FROM THEM.

BOTTOM LINE, INTEREST IS DIDN'T HEAR BACK FROM THEM.

BOTTOM LINE, INTEREST IS NO BOTTOM LINE, INTEREST IS NO BOTTOM LINE, INTEREST IS NOFUN.

FUN.

FUN.

NOBODY FUN.

NOBODY LIKES FUN.

NOBODY LIKES PAYING FUN.

NOBODY LIKES PAYING INTEREST, NOBODY LIKES PAYING INTEREST, NOBODY LIKES PAYING INTEREST,SO NOBODY LIKES PAYING INTEREST,SO DON'T NOBODY LIKES PAYING INTEREST,SO DON'T DO NOBODY LIKES PAYING INTEREST,SO DON'T DO IT NOBODY LIKES PAYING INTEREST,SO DON'T DO IT THINKING NOBODY LIKES PAYING INTEREST,SO DON'T DO IT THINKING IT NOBODY LIKES PAYING INTEREST,SO DON'T DO IT THINKING IT WILL SO DON'T DO IT THINKING IT WILL SO DON'T DO IT THINKING IT WILLIMPROVE SO DON'T DO IT THINKING IT WILLIMPROVE YOUR SO DON'T DO IT THINKING IT WILLIMPROVE YOUR CREDIT SO DON'T DO IT THINKING IT WILLIMPROVE YOUR CREDIT SCORE.

IMPROVE YOUR CREDIT SCORE.

IMPROVE YOUR CREDIT SCORE.

KEEP IMPROVE YOUR CREDIT SCORE.

KEEP A IMPROVE YOUR CREDIT SCORE.

KEEP A ZERO IMPROVE YOUR CREDIT SCORE.

KEEP A ZERO BALANCE, IMPROVE YOUR CREDIT SCORE.

KEEP A ZERO BALANCE, QUIT KEEP A ZERO BALANCE, QUIT KEEP A ZERO BALANCE, QUITPAYING KEEP A ZERO BALANCE, QUITPAYING THAT KEEP A ZERO BALANCE, QUITPAYING THAT INTEREST, KEEP A ZERO BALANCE, QUITPAYING THAT INTEREST, YOU'LL KEEP A ZERO BALANCE, QUITPAYING THAT INTEREST, YOU'LL BE PAYING THAT INTEREST, YOU'LL BE PAYING THAT INTEREST, YOU'LL BEOKAY.

OKAY.

OKAY.

>> OKAY.

>> YOU OKAY.

>> YOU PUT OKAY.

>> YOU PUT YOUR OKAY.

>> YOU PUT YOUR DAD OKAY.

>> YOU PUT YOUR DAD PANTS OKAY.

>> YOU PUT YOUR DAD PANTS ON OKAY.

>> YOU PUT YOUR DAD PANTS ON IN >> YOU PUT YOUR DAD PANTS ON IN >> YOU PUT YOUR DAD PANTS ON INAN >> YOU PUT YOUR DAD PANTS ON INAN HOUR, >> YOU PUT YOUR DAD PANTS ON INAN HOUR, OKAY, >> YOU PUT YOUR DAD PANTS ON INAN HOUR, OKAY, YOU'RE >> YOU PUT YOUR DAD PANTS ON INAN HOUR, OKAY, YOU'RE TAKING AN HOUR, OKAY, YOU'RE TAKING AN HOUR, OKAY, YOU'RE TAKINGALL AN HOUR, OKAY, YOU'RE TAKINGALL MY AN HOUR, OKAY, YOU'RE TAKINGALL MY FUN AN HOUR, OKAY, YOU'RE TAKINGALL MY FUN OUT AN HOUR, OKAY, YOU'RE TAKINGALL MY FUN OUT OF AN HOUR, OKAY, YOU'RE TAKINGALL MY FUN OUT OF THE AN HOUR, OKAY, YOU'RE TAKINGALL MY FUN OUT OF THE GAME ALL MY FUN OUT OF THE GAME ALL MY FUN OUT OF THE GAMEBECAUSE ALL MY FUN OUT OF THE GAMEBECAUSE THIS ALL MY FUN OUT OF THE GAMEBECAUSE THIS GAL ALL MY FUN OUT OF THE GAMEBECAUSE THIS GAL IS ALL MY FUN OUT OF THE GAMEBECAUSE THIS GAL IS THE ALL MY FUN OUT OF THE GAMEBECAUSE THIS GAL IS THE QUEEN BECAUSE THIS GAL IS THE QUEEN BECAUSE THIS GAL IS THE QUEENOF BECAUSE THIS GAL IS THE QUEENOF DEBT.

OF DEBT.

OF DEBT.

>> OF DEBT.

>> THAT'S OF DEBT.

>> THAT'S RIGHT.

>> THAT'S RIGHT.

>> THAT'S RIGHT.

>> >> THAT'S RIGHT.

>> YOU >> THAT'S RIGHT.

>> YOU ARE >> THAT'S RIGHT.

>> YOU ARE LOVING >> THAT'S RIGHT.

>> YOU ARE LOVING THAT.