Phillips (Caller)

They just got to shake hands with this guy.

Maybe you could take Scherzer and have him take over Vlad's responsibilities of throwing Gatorade on the guys or being the Pete Taylor.

I have, Guy, for three days.

I've been trying to get through.

I don't know if you got a new producer the other day.

I love it.

The guy today is great, though.

The guy today I really like.

Good, good.

Thank you for taking my call.

So right now, my wife and I are on Baby Step 2, and we're in the process of getting out of debt by next year.

We'll be out of debt next year, so we're having a lot more discussion on getting a house once we complete Baby Step 3.

Well, right now, we just can't seem to agree on the idea of a credit score and essentially why it's...

how it impacts your interest rate and thus your monthly payment and things like that.

So I wanted to call you guys to get your take on it.

I know obviously what you guys believe about credit scores, but we seem to be in disagreement on the value of building credit scores towards, you know, getting a lower interest rate and whatnot for our home when that comes.

Um, no, we haven't.

I mean, well, we, we've talked to one just kind of briefly to kind of, because essentially her credit technically is better than mine.

Cause right now, um,

Mine was just lower.