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Welcome back! Dr. D and Producer Zack discuss the importance of credit cards and credit scores. Dr. D shares her personal experiences and encourages listeners to improve their credit proactively. Credit scores are calculated based on various credit accounts and can vary depending on the credit reporting agency. She also mentions the significance of payment history, credit utilization, and credit history length in determining credit scores. All important stuff! Dr. D advises against closing old credit cards and emphasizes the importance of responsible credit card use, such as maintaining a good payment history, keeping balances below 30% utilization, and preserving credit history. All things "credit scores" on this one, we hope you enjoy!

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