You may be feeling like you have lost a little faith as 2022 unfolds a bit differently than we had all hoped for, but Carla (and Sting) are here to help keep the faith alive. You are not alone in the feelings of overwhelm and stress that arise this month, and professionals have actually coined today Blue Monday. But have no fear, your banking BFF is here to help you shift your mindset, take charge of your finances, and avoid the Monday blues this year. On today’s episode, Carla discusses the importance of understanding your credit report and ways to raise your credit score in a few simple steps, and explains what all those complicated terms on your report even mean. A positive outlook could very well be the miracle remedy you’ve been searching for on this Blue Monday so cheer up buttercup, and go check your credit score!  Today’s topics include:  How to understand and improve your credit score  What is and isn’t on a credit report  Hard and soft credit inquiries  The credit scoring system   Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.