On this episode of Dollars & Sense, Levi and Todd with HAPO Community Credit Union's Consumer Lending department join Scott to talk about a major part of Credit Union philosophy and business.  We get a chance to dispel some myths about how much credit to utilize in order to maintain a good Credit Score, how making payments impacts that score, and what exactly goes into a Credit Mix.  We also get some fantastic borrowing tips and tricks to help you out when rates are a little higher.