Hi Jennifer, how are you? You have to turn your radio down like Kelly told you to. Jennifer, yes I'm sorry, that's okay. How can I help? I have stumbled across the show this past Friday, and there was a couple on there saying that I had a zero credit score, and they were happy about it, and you were happy for them. I was just intrigued, and then I turned on the show again today after I had called my mother and she was like, "Zero credit? For what do you mean? It's impossible." But I'm about maybe $40,000-$50,000 in debt. I'm a single parent and I just wanted the help and I was intrigued by what was being talked about. Okay, well, a zero credit score itself is put out by an organization called FICO and you call it a FICO score. You've probably heard that. FICO has developed a mathematical process for determining how worthy someone is to borrow money. The mathematical process is 100% based on you having borrowed money recently. Okay, and so when you make payments, it develops your FICO score or your credit score. When you have zero accounts with debt of any kind open or with a balance of any kind, no balances and no open accounts at all within about six months to a year, your credit score will disappear because you have no active accounts of any kind. For instance, I've not borrowed money in 25 years and I have an auto credit score in 20 years. Okay, and that's how you get there. But you'd have to pay off the fifty thousand dollars we're talking about. What you need to do and we'll help you do that and get out of debt and don't have any payments of any...