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Well, hello and welcome to the Real Estate Guys radio program.

I'm your host, Robert Helms, one of the most important tools in your toolbox as a real estate investor, your credit score. Today we're going to talk about

what makes up your credit score and how you take care of it, the proper care and feeding of your

credit. You're tuned to the Real Estate Guys Radio Network. This podcast is brought to you by

audible.com, the internet's leading provider of spoken word entertainment get a free audio book download of your

choice when you sign up today log on to audio podcast.com forward slash real estate guys today for

details welcome to the real estate guys radio program I'm your host for Robert Helms

thanks for tuning in. We have an

amazing show for you today with a fabulous guest. But before we meet our guest, let's meet our

co-host, Financial Strategist, Russell Gray. Hey, Robert. How are you, sir? I'm great. This is a topic

we've been wanting to cover for a long time, and we've been searching for an expert, and today we have when we're excited about it. The topic today, the proper care and feeding of your credit

score. It's a gigantic topic, you know, especially these days right now with credit getting

tighter, lenders are very risk-averse. They got burned. I mean, if you look at the whole

mortgage meltdown and the financial crisis that has grown out of it, it was all rooted in

loans that shouldn't have been made. And it was based on bad underwriting. It was based on

too much risk in a portfolio. And send out lenders right now were very risk-averse. And so they're

...