conversation. we will be back with more "happening now" after this. i have great credit. how do you know? duh. you know those change, right? tattoos don't change. try credit karma. it's free and you can see what your score is right now. aren't you a little bit curious? i just got my free credit score! credit karma. really free credit scores. really free. i have got to update my ink. this is judy. judy is 65 years old. her mortgage payment is $728 a month that's almost $9,000 a year. now judy doesn't think that she'll be to retire until her mortgage is fully paid off. this is mike.