http://www.clarkhoward.com/news/clark-howard/personal-finance-credit/credit-freeze-and-thaw-guide/nFbL/Clark Howard he's my go to guy for these things don't worryDan's the Man for all else credit relatedclark is great for figuring out credit report and score, issues with collection agencies, investment guides for the conservative etc.but for deals Dan and DDF takes the cake
op sounds like sec. purposes