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There are many experts available here and elsewhere for personal credit - my focus is on BUSINESS credit. This means understanding it and predicting it - as well as helping to correct it. Having worked in contracts & credit, I have also worked with all of the related documents such as Guarantees (personal and corporate), and Security Agreements (aka UCC’s or “liens”)

Experience in the area

I have a broad background with more than 15 years in the credit industry. Ten years with Dun and Bradstreet, first as a field reporter creating reports, then in customer service, finally I served as the credit manager designing risk models for many national and international customers through D&B’s Outsourcing function. Five years with another publicly traded firm where I created the credit department and then served as credit manager for North America. At both companies we used both business and consumer data. You probably know that both business and personal credit have scores; what you might not know is how many different types of scores there are. I am familiar with and have used many different scores in each. Also be aware that each credit type (business & personal) is unique with different processes and different time frames. I have served on the board of directors for companies in many states and still serve in some capacity in a few. I contribute to credit publications and work with the non-profit arm of the SBA called SCORE.


ACA International * NACM * Credit Risk Managers * SCORE (SBA)- Counselors to America’s Small Business * Payment Card Industry Network * * D&B Alumni * Psi Chi, National Honor Society for Psychologists


BIS in Business and Psychology, University of Minnesota * MBA is still in progress (on-line)

Awards and Honors

State of Colorado - State finals in Accounting and Advanced Accounting. * D&B Leadership Winner (3 times) * D&B Leadership Finalist (3 times) *

Average Ratings

Recent Reviews from Users

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    K = Knowledgeability    C = Clarity of Response    P = Politeness
Victor05/01/12101010Thank for your help.
Rashad02/22/10101010Once again, the advice/response was excellent.
Rashad02/21/10101010This was the best response I've ever .....
Melodie08/12/09101010Thanks so much for your input.

Recent Answers from Michael Fay

2011-04-12 closed credit card:

Dear Annie,    Unless the card has an annual fee, you are in much better shape to keep all of the cards open.  You can cut them up if you want so that there is no temptation (or hide it in the bottom of

2010-02-23 Business Credit Building Advice:

1.  Yes and no.  I have seen it mentioned, so I did some on line research and found a variety of prices, anywhere from $47 to $129.  With apologies in advance to Mr. Agustine, it appears he uses this as

2010-02-21 Building Business Credit:

Rashad,  The address that you register for the phone number should match the address that you have for the business.  Where possible, this should also match the address that you used to register the corporation

2010-02-21 Building Business Credit:

Rashad-  My suggested first step is to register the corporation with Dun & Bradstreet, along with your trade name if you have one.  It costs NOTHING; and make sure if you talk to them that you don’t sign

2009-08-11 credit repair vs paying yourself:

Hi Melodie  My area is more in business credit/ debt and less in personal, but I still wanted to share some advice/ opinion.    1)  Your suspicions are well founded; like you I hear horror stories all


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