ASHER: Welcome back, everyone, I'm Zain Asher in for Christine Romans. Minding your business this morning, another day, another Dow record. The blue chip average hit a record high for a fifth straight day. Right now Dow futures are pulling back, but only about 20 points. That's not surprising considering the Dow is up 10 percent this year. And a new credit scoring system, Vantage Score 3.0 could help improve people's credit scores. Vantage score was created by the three credit bureaus Equifax, Experian and Transunion and under the new system people with bad debt in collection no longer have to wait seven years to have their debt removed from their records. Also millions of people with no credit history will be able to use utility and rent payments to help them get a score. This could actually help 30 million more people get a score who otherwise would have been ineligible.</s>O'BRIEN: That's great news. Obviously paying for those utilities helps create some kind of a record.</s>ASHER: Especially for foreigners who come to this country and you don't have any credit history at all, this will obviously help them a great deal.</s>O'BRIEN: Or students, or somebody who doesn't have the opportunity to kind of have a record of purchases. All right, Zain, thank you, 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 process. And a look inside the Sistine Chapel where the cardinals will be voting. That's coming up next. Plus a police officer pulled a man from a burning car. The whole thing caught on video. You have to see this. That's coming up.
New Scoring System to Help Your Credit Score