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lets go ahead and dive in first off hello welcome thank you so much for being here tonight um i know we spend long days on the computer now um so we appreciate you sharing a little bit more of your time with us tonight and hope that youll find this information valuable and helpful i want to thank our friends at canvas credit union and nancy who make this series possible so if you are here to learn about your credit score tonight or credit scores in general you are in the right place um and its perfect timing because i think our next workshop after this is home buying which i know credit scores can influence home buying so um hopefully what you get out of tonight will help you continue your financial journey i also want to do a huge thank you to our csu alumni association members your membership really does make all of our events and programming possible um so if youre a member honestly truly fully thank you um for making this programming possible and if youre not a member that is