Adam Kunda, a representative from the National Credit Care company, www.nationalcreditcare.com, speaks specifically about the many myths and misunderstandings about credit scores. Adam provides straightforward insight and constructive ways to work intelligently to protect or enhance your credit scores from the well known credit reporting agencies. Pam Gantt, owner of Key Mortgage LLC, joins Adam, who also works as a consultant with Key Mortgage, to offer some real life situations she sees in her everyday business. With lending at the forefront of many people’s minds and today’s lower interest rate environment, this advice is quite timely.