Ugh. Credit reports and scores. They might seem mysterious, but it turns out they're vital to your financial health. We should be checking ours annually to make sure there are no errors which could keep us from getting credit or the best available terms on a loan. In Episode 16, Galia breaks down what credit reports are, where to find yours, how often to request a copy, what your score means, gives ways to fix any errors as well as tips to earn the highest score possible. Susan touts her super smooth savings on a recent trip to Nashville, how she encouraged a friend to swap an old car for a screened-in porch and admits what a neophyte French kisser she was in junior high school.