Stepright with Lynn Whetham Radio Show When was the last time you checked your credit score?  Within the last year?  Five years?  Never?  If you have no idea what your score is, what makes up your score, and how you can improve your score, you’re not alone.  Jeffrey Schwartz, executive director of Consolidated Credit Counseling Services of Canada, teaches us the ins-and-outs of your all-important credit score.