Roland and Heidi discuss the importance of credit scores. They highlight upcoming classes on down payment assistance, including one on November 15 and another on November 18, both offering home buyer education certificates. They emphasize the need to check annual credit reports from Experian, Equifax, and TransUnion and monitor credit scores using services like Experian.com. They explain the significance of credit utilization, aiming for 30% or below, and the impact of late payments. They also discuss strategies for improving scores, such as paying bills early and negotiating with creditors to remove collections.

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