[music playing] [music playing] hi, i'm steve adubato. everything you've ever wanted or needed to know about your credit: good credit, bad credit, and how you deal with your credit situation. we are pleased to welcome marie gamble, who is a business development specialist with jersey shore federal credit union. i want to thank you very much for joining us, marie. we were talking right before we got on the air about this whole situation about good and bad credit. first of all, how do you actually...what do you need to do to have really good credit other than just pay your bills on time? is it that simple? well, that is the main thing you have to do. paying your bills on time is definitely very important along with not maxing out trade lines that you have open. trade lines? so credit cards, or maybe like, a line of credit that you might have things like that that have a maximum, you don't want to max them out. someone says wait a minute, but i've got i've got the line of credit for $50,000, why not use the whole thing? not necessarily a goo