utilities helps create some kind of a record. >> especially before you come to this country you don't have any credit history at all. >> -- opportunities to kind of have a record of purchases. all right, zain, appreciate it. still ahead this morning on "starting point," a live look at vatican city where 115 catholic cardinals are preparing to vote for a new pope. we'll have details this morning on the historic prospects. and a look inside the vis teen chapel where the cardinals will be voting. that's coming up next. plus a police officer pulled a man from a burning car. new yo. mr. wiggles and curling irons. for the little mishaps you feel, use neosporin to help you heal. it kills germs so you heal four days faster neosporin. also try neosporin eczema essentials.