Markita Aldridge-Woods: Hi! This is Markita Aldridge-Woods, WestStar Mortgage. I am here to talk about tips on improving your credit scores. We are actually going to deal with four different areas; what is a credit score; what impacts your credit score; how to legally improve your credit score and ways to actually deal with debt. First, let me tell you a little bit about myself. I have been working at WestStar Mortgage for the last five years. I am actually a Senior Loan Officer and I have sold millions of mortgage loans. Many of those loans have been for people that haven t had great credit. We ve helped them to improve their credit to get them ready to actually purchase a home. So, now let's get started on helping you improve your credit score.