I bought all three Mass Effect games for the 360 at Game Stop for $15. Not bad.

So far I'm liking the game but I have a question since I've seen several people here say theyve played it. I am level 10 and just now taken off in the Normandy. My two questions are how do I get talent points and how do I earn credits? So far my number of talent points is zero. I have maybe 5k credits but some of the upgrades sold by the vendor in my hanger bay cost over 300k credits.

Any tips on getting started off would be greatly appreciated.