The Real Truth About Credit

Credit expert Dan Beck's blog teaches consumers how to create an "A Rated" credit profile. Dan Beck is the founder and president of Credit Management Specialists.

You Still Have Options!

If you recently applied for a credit card but were declined because you have bad credit or no credit history, don’t lose hope.You still have options! There are two types of cards that you need to be aware of in this situation:secured credit cards and prepaid cards.Both have pros and cons. Secured Credit Cards As …Keep reading

More Foolish Advice!

A few weeks ago I was doing a public speaking event and one of the questions I received was “what is the best way for someone with no credit to build a credit score?” Before I answered the question the person got even more specific and told me that a bank had told him the …Keep reading

It will surprise you!

One of the most common questions that I receive has to do with what would be the best thing to payoff to improve someone’s FICO score. Judging by the frequency of the question and the overall surprise of the answer I thought it would be a good “FICO Score pop quiz” question, so here you …Keep reading

You Have Got to be Kidding Me…or Ma...

Sen. Dick Blumenthal wants explanations from the three credit rating bureaus about a New York Times report about a VIP list they allegedly keep that favors the rich and famous over everyone else. The article says the Connecticut Democrat wrote a letter Monday to Equifax, Experian and TransUnion about the reported separate system in which …Keep reading