and as henderson hyundai we provide a free credit score for you. we go over the report with you, and finance managers like myself also offer you advice and consultation on what's on your report. what i mean by this, and i'll banks rate your interest rate based on not only your score but what's on the report itself. how many accounts you have. how many -- your payment history. how you -- on how many accounts you have, how many are satisfied. your credit to debt ratio. so one thing is that they rate it on risk levels. or what they call tears. tear one being the lowest risk. the higher the risk, the higher your r so if you know what's on your report, you're able to manage that a little bit better. for one example, i see all the time that people don't even know they have on their credit reports there are several medical bills that haven't been paid just on copayments. some of these accounts add up to two or $300 among three accounts. well, if you didn't know you had those, and then they got sent to some collection, it burns your score so bad that the l