forgot to cancel years ago or maybe sometimes they might have charged you, maybe your name is ryan mack jrand might have charged your father. identity theft, there's millions of cases every single year. these things we can dispute. that's one of the fastest things i've assisted going to your credit record and going to those website and challenging those things. they have 30 days to reply and respond to see if they're correct or not. >> greg, wh you have a low credit score cost you more money, that's the bottom line. you're going to pay higher interest rates. it can cost you $20,000, $30,000, $40,000 more over the course of a loan. what should people be doing when they're shopping around for interest rates on mortgages and alike? and if you have a credit score below 650 or 620, should you be out there in the marketplace? >> well, if you have a credit score below 650 or 620, my advice is, hey, look, the affordability you're seeing in the markets today isn't going to go away. if you need to take 6 or 12 months to boost that score by all means, go ahead and do that. mortgage rates are unlikely