fico scores are different. 90% of lenders look at your fico score, not the credit scores.t scores out there. if no one's looking at them but you, what's it matter? you want to pay attention to the correct score and that's fico. >> how does i lower your credit rating? >> 90% use it. how long you've had credit, what types of credit you've had. everything i've been talking about, but it's your fico score you want to pay attention to if you're going to be applying for a mortgage. >> last one quickly, secured credit cards are a waste of time. myth or fact. >> well, come on. you want to rebuild. so people have had hard times. if you want to rebuild, you may not be able to get a regular credit card. get a secured card. when that goes on your credit report, it does not report it's secured. it looks like any other traditional credit card. so that can give you new history and healthy new credit. >> all right. well, jeannie kelly, thanks so much. great information. >> thank you for having me. >>> coming up next, how one midwestern town could be sitting on a windfall of millions of do

will be striving to but a less than stellar champions league start behind them when they host ben fico a little later this evening. best of the best the top women's tennis ranking is at stake as the season ending w t a championship in istanbul occur. then there were two son francisco robin to a world series showdown with detroit after going to tone on the card. table first where sports face a goal keeping prices out of trees this clash at home to benfica injuries are force the moscow side to third choice keeper are brought his champions league debut richards on port fleet brings us up to date response talks injury list was mocking enough already it's now gotten even longer. the rhythm winds have only one foot keeper of the city it is you call joined and read you can on the sidelines. ukranian international is just starting his comeback so it's unlikely that third choice alternative role of what make his european debut for spy attack and head coach when i am really understands just how important a clash it is for his team and for that of the owner i think this will be a crucial game for

risks as they need to get a result and we may change our approach to the game because of this bin fico have yet to score in the opening two champions league encounters however they might fancy their chances against spartak side but it readies conceded six goals was part of having enjoyed a great start to their champions league campaign this year with no points are for the first two games or pressure is firmly on the emirates side and if they don't manage to get a big tree on tuesday they can effectively say goodbye to their chances of qualifying for the knockout stages richard fleet anti moscow. and stay with the champions league group g. where leaders barcelona will be looking to maintain their top spots as they welcome second place to camp know the hoops gunning for a huge upset knowing the catalans will be missing some key personnel for that use they clash defenders cardless put y'all gerard piqué and danielle al vision to not play in this weekend's win over depor t. ball and will sit to help the european clash as well the scottish champions will be looking to expand that back up fo

meanwhile been fico coming to this clash having lost just once all season and that being a two no reverse against barcelona. the portuguese and feed have a good combination of youth and experience and they are seasoned european campaign is getting to the quarter finals and last season's competition. can also will be an obvious krantz he scored five goals domestically already however their head coach jorge hughes source is wary of a sponsor outside despite the not being the best of form. of voiding three losses in a row is great motivation for spartak they have nothing to lose but i will be taking risks and as they need to get a result and we may change our approach to the game because of this been fico if you had to score in the opening two champions league encounters however they might fancy their chances against a spot outside but it readies conceded six goals response i'd have enjoyed a great start to be a champions league campaign this year we have no points our first two games or pressure is firmly on the emirates side and a pedo managed to get a big tree on tuesday they can effectiv

risks as they need to get a result and we may change our approach to the game because of this bin fico have yet to score in the opening two champions league encounters however they might fancy their chances against spartak side but it readies conceded six goals was part i'd have enjoyed a great start to their champions league campaign this year with no points after the first two games or pressure is firmly on the emirates side and if they don't manage to get a big tree on tuesday they can effectively say goodbye to their chances of qualifying for the knockout stages richard fleet anti moscow. well as where manchester united aim to maintain their grip on group h. as the streets and former champions host portuguese side grow older when the ashley young is set to return from a knee injury but defenders we have ferdinand and patrice evra will be rested the red devils go into the match following last saturday's four two home when i have a stoke when stan striker wayne rooney netted a brace to make up for only own goal while money just right expects a nose braga could cause an upset. to mom

la mujer que se dentro de fico o como hija de chapo guzmÁn es en efecto hija del capo la prueba a travÉses de la mujer. >>> quienes son los masco wrup tos muy mÉxico una pregunta que se hizo a rn grupo de ciudadanos en ese paÍs la respuesta seÑo a la a la policÍa partidos polÍtico y ministerio pÚblico, vamos con los detalles. >>> al menos 7 personas se encuentran detenido y sujetos a proceso penal por la venta de informaciÓn al cartel que dirige el chapo guzmÁn. >>> con elementos de prueba que se rek bo a travÉs de la investigaciÓn tengo la certidumbre que deberÁ llevar sentencias condena to rÍas. esto tras el anuncio de calidad e impacto gubernamental re k vaed por el instituto de sda dis tica con porcentaje 66, 2%, partidos polÍtico 53, 8% y los ministerio pÚblicos 43%. >>> y ahÍ encuentras alguien que dice te hago un trÁmite que dura 15 dÍas lo encuentras en 3 dias, un varo de por medio y asÍ son las cosas. >>> para una que es como le diÉe cÓmodo, luego hasta nos conviene la corrupciÓn, y luego ya los que no se dejan sobornar como que dice uno.... >>> por otro lado representantes de o

getting the best possible start after just three minutes rafael correa and missing four one nil been fico wouldn't have been equaliser after the half hour mark the elderly mother scorer though they decided to strike was to go the whole suasion are dell's own goal they can it's who wants to support saga and that's how it would end the muscovites bass line above can be cut this third place in group g. . now the leaders in that group g. barcelona have managed to maintain their spot at the summit following a home victory over celtic at the no camp now the hoops open first though thanks to header by greek international your boss some of us but the home team equaliser right before the break through undress in yes the before jordi alba finally sealed the when full bar saw in the fourth minute of step aside to ensure the cats lands one hundred percent record. you know indeed and if you don't persist until the end you do win begin pulling up in the area that we did risks because they're very strong and powerful in their. big could have said. we know it but if you don't persist until the last momen

and i don't know i think he's going to be turning the russian been fico it's clear favorites you know group as well as you do you want to do better for second place now that he's been fully secure in celtic unfortunately we failed to secure any points against. so choose these games you might with because we can't afford to explore many more if you get sick and you get to go. well meanwhile domestically the focus turns to the bottom half of the table this monday night as clear so that off her eleventh have kicked off at home to bottom side vols at the wanderers once this season and the six points in safety room a woman kicked off ball then lead one nil thanks to alexander velez all of sixty eight minutes strike two minutes to go that time in so mara well meanwhile on sunday ten coach len it's not ski praised his players fighting spirit out there waiting to no time to ten man ready to go within two points of leaders andre the home and took the lead from the penalty spot with twenty minutes to go nigeria's when russo was appended by iran mcconnell and sweden's rasmus and four minutes lat

the best possible start after just three minutes rafael karaoke and that's enough for one nail when fico wouldn't have an equaliser after the half hour or more. to score though the decisive strike was to go the whole swathe jarred els on goal making it once a spark sock and that's how it would end the moscow lights that live above been to third place in for the g. . now the leaders in group g. barcelona have managed to maintain their spots at the summit following a home victory over celtic at the no camp the hoops open first though thanks to header by greek international your yes some modest about the home team make all eyes right before the break through andreas and yes to before jordi alba finally sealed the win for boresight in the fourth minute of stoppage science ensure they got lines one hundred percent record. you know she indeed and if you don't persist until the end you do win begin putting up an area that we did risk. because they're very strong and powerful in their own area they could have scored the second goal we know it but if you don't persist until the last moment you kn

risks as they need to get a result and we may change our approach to the game because of this bin fico have yet to score in the opening two champions league encounters however they might fancy their chances against spartak side but it already is conceded six goals a spot i'd have enjoyed a great start to their champions league campaign this year with no points are two games or pressure is firmly on the emirates side and if they don't manage to get a victory on tuesday they can effectively say goodbye to their chances of qualifying for the knockout stages. moscow. on to tennis where maria sharapova has a chance to finish the season as the ranked female player in the world the russian will be looking to leapfrog rival victoria azarenka at the year ending w.t.f. championships in is some bull serena williams signature advance guy and recurve beat us sara errani and also challenging for the title in thirteen hours aren't the only has to win two group matches to ensure her world number one ranked stays intact if the belorussian loses all of her matches at that stage then sharapova has a chan

repeatedly slammed paul ryan's policies and the largest national coalition of religious congregations fico network said of the ryan budget the mission of the church is to bring good news to the poor and to protect the vulnerable not to justify the impoverishment of the very young the very old and the sick in order to enrich the wealthy. the only thing we can expect paul ryan and mitt romney to do is what they've promised to do on paper and that's give massive tax cuts five trillion dollars worth of tax cuts to rich people like themselves and give austerity to the rest of us that will only worsen wealth inequality in the united states and does make it harder and harder for the poor to move up into the middle class and try out for their shot at the american dream and paul ryan doesn't give a damn about the poor he's just a shill for big business who wants to create an iron aranda utopia where the wealthy live like kings and the middle class of the poor live like feudal serves don't buy the snake oil. now let's turn over to tonight's lone liberal rumble. it's wednesday are you ready to rumble

. >> but your fico scores are way up. they're so much higher than they are historically.ot even just talking about how they were during the housing boom. >> yeah, but the regulatory burden and scrutiny in our banks are under. go to the fed and tell that to their examiners who come into our banks every day. we have to preserve exam. yes, we want to lend, but you have to be qualified. there were a not of nonbank lender out there before the secessis recession. they're gone today. today, you have to qualify with a bank. w-2, your financials, your salary history. >> right, but i'm not talking about easy money. i'm talking about fair money. i'm talking about people who are first-time home buyers, et cetera. >> what about the litigation banks faced right now on the soured loans? >> they're not in an easy place. but how do you get buyers? how do you get real organic buyers back into this market? our market right now is one-quarter all cash investors. that's just not right. >> the point here being is that -- are you saying the regulatory burdens and the lawsuits are such that you

mortgages put on in the last four years have been very high quality in terms of down pavement and fico score, much higher than the case prior to conservatorship. and the new book, the subsequent conservatorship, accounts for over 60% of the total book of freddie mac. that was all past. we talked about the real old time period, 1938. we looked at the pre-crisis period and post-conservatorship. look forward and think of what to do with freddie mac going forward. it has been a great frustration to me that the treasury department and administration has come up with no program policy or recommendation as to what to do. it is now 50 months we have been in conservatorship and 6,000 people working at freddie mac don't know if the company will exist, have no job security at all. the treasury was to put out a position participate in january of 2010 with a suggested solution. they didn't do that. it didn't come until january of 2011. then the whit paper listed just three optionless that would have been obvious to anyone on day one of conservatorship. so it is a g pregress in this area. particular

now a new report out, fico, the people most respected credit scoring folks have 49 different scores onpding on what kind of borrowing you're doing. lenders get unique scores. that could really freak you out, right? don't let it. here's what matters. wherever you get a credit score, whoever provides it to you, all that really matters is the scale they're using. how do you rank on it? are you a low credit risk, a moderate credit risk? are you a high credit risk? and any time you get a credit score, it will show you where you are kind of versus other people and how good you're doing with your credit. and if you want to see your credit score, representation of it, for free, go to creditkarma.com. i'm clark howard. for more info for your wallet from me go to hlntv.com/clark. >> clark has great advice for us just like that. you can watch him to get that advice every week night, part of a new show "evening express," clark, isha sesay, kyra phillips and ryan smith here 5:00 to 7:00. >>> do you know any 12-year-old girls who can play the accordion like this? this girl has a shot to become the w

they can do 750 ficos and still make a lot of money. they don't want to go below 700. loosen up to the 600 level. but until we get more guidance on how fannie and freddie are going to approach reps and warrants, those are going to tighten. >> what's your top pick going into earnings season? >> pnc. >> pnc. short and sweet. paul miller, good to see you. >>> you see him making his way on to the set. barnes & noble ceo, william lynch here to talk nooks, books and tablet wars in a cnbc exclusive. that will be live from post 9 in just a moment. when you take a closer look... ...at the best schools in the world... ...you see they all have something very interesting in common. they have teachers... ...with a deeper knowledge of their subjects. as a result, their students achieve at a higher level. let's develop more stars in education. let's invest in our teachers... ...so they can inspire our students. let's solve this. mike rowe here at a ford tell me fiona, who's having a big tire event? your ford dealer. who has 11 major brands to choose from? your ford dealer. who's offe

what should be the priorities under the dodd-frank a fico on the theory that it's a 2000 page miss a that is still so hard of a law or set of us to implement it is taking literally years for regulators to do that. if i could start with scott and work down the line, what should be the priorities under dodd-frank interview? >> the way we approach is a mentioned earlier, to refocus supervision beyond safety and soundness to financial stability is the sum and we look at an think about in our daily supervision. so we've reorganize or supervisory approach. we begun to focus on the key part of regulation we think most import. capital is important, risk management and then we done the best we can to fill in the agenda beyond that the congress has set. the priority has been improvements in supervision and capital. >> i would agree with scott's points, but for us the interplay between title i and title ii an ending too big to fail through the hate in supervision to address the issue on the front end as well as through title ii to make sure we don't have a situation in the future where we have