We're going to spend time improving our credit scores together -- It's new year, new goals.  Wallet Hub looked at credit scores for all 50 states and what we learn from their breakdown is that Utah is near the very bottom -- 49/50 our average credit score is 693/850. Dave and Debbie break down what dings your credit score, how to raise it, and why it all matters with KSL Newsradio Producer Caitlyn Johnston.