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all right in Idaho is Lewis hi Luis how are you good how are you better than I deserve whats up hey I got a real simple question uh my wife and I are fairly new to the program but I had some family the other day talking about how foolish it was not to have a credit card because then if wed ever want to buy a house or something take out a mortgage that we would have no credit no and I remember Ive heard you talk about it before I just want to be able to explain to them that if they say its impossible to take out a mortgage without a credit score well thats just somebody that doesnt know what theyre talking about Im sure theyre broke people but theyre in your family we all got people like that in our family that are experts on something that they dont know nothing about so if you go to churchill mortgage or other mortgage brokers that actually know how to do whats called manual underwriting where they dont require a credit score but they do require that they verify your job