Guests:Justine LackeyJustine Lackey is Chief Wealth Officer of Good Cents Bookkeeping, a business which specializes inhelping small businesses master their money. Justine is a contributing writer for www.DailyWorth.Com, and has been featured in Women's Day Magazine, Entrepreneur.com, Forbes.com, and in several books.She is a sought after teacher, and engaging speaker and firmly believes that chronic low-level, economic stress is plague which should be eradicated. When she isn't balancing books, she is balancing work and family living her life as a domestic goddess in Westchester, NY. Julie MaccJulie Macc, Certified Credit and Identity Theft Specialist, is a second generation Credit Specialist and a recognized expert on credit reporting for both consumer and business credit scoring. In addition her expertise includes FCRA, FDCPA, TCPA, reasonable procedures, and credit damages.Julie serves as an expert witness/legal consultant for law firms practicing Consumer Credit Law in both Federal and State court and has been retained as a expert witness for Consumer Credit Litigation cases involving Banks, all 3 of the major Credit Bureaus and third party credit furnishers.