Credit is not interesting until you need it. But when the time comes when you really need it, it becomes the most important thing in your life! That is why it never hurts to take proactive steps to keep your credit score as pristine as possible. And, no, you don’t need to pay someone $139/month to help you improve your credit score. All you have to do is adopt a few healthy credit and financial habits and check your credit reports regularly using free resources. World-leading credit expert John Ulzheimer points us to the direction of these tips and resources. He joins Spencer Sherman on the show for this very reason. Tune in and learn how you can keep your credit score in the best condition in case you need it.