Todd Pietzsch joins us live in studio. A texter wants to know increase their credit score. A texter wants to know if now is time to refinance and get a lower mortgage rate. Vicky B wants to buy a house and needs advice. Vicky wants to know the difference in credit scores. Caller Mike has triplets going into college and wants to know what loans he can get. Caller Zach wants to know how his debt is being sold.