Interview with BECU's Todd Pietzsch. A caller has credit debt because of a recent divorce, what can he do to turn that around? We play the song Mono Nick recorded for Todd. A caller "Rich" also had a divorce and is struggling with collections on his credit report, what can he do to boost his credit score? A caller "Sara" wanted to know how to start building credit to eventually buying a house. She is 20 years old. A texter asks if he can keep his BECU membership even though he is moving to China. The Rev asks Todd, his friend is getting a tax return, should he pay off his credit card or save the money and make minimum payments.