Dan Beck, president of Credit Management Specialists, describes how a credit score can be affected by the time of day it was accessed. Chichi Ama
Though there has been positive news about the United States coming out of the recession in the past few weeks, there is no doubt the nation is still facing foreclosures and a poor job market.
For students at UNC and colleges across the country, it is a particularly scary environment; most students graduate in debt from student loans but are still expected to start their lives by getting cars and apartments post-graduation.
One key factor in being able to do all this is by having a good credit score, which is often forgotten or unknown to students.
On Monday, the Professional Administrative Staff Council looked to offer a bit more guidance by offering University of Northern Colorado students, employees and community members a free credit management workshop in the University Center.
PASC brought in Dan Beck, a UNC alumnus and president of Credit Management Specialists, to give an hour-long talk with basic pointers on keeping credit scores in the proper range and things people can do to increase their scores.
Deborah Borelli, a member of PASC and the event organizer, said they wanted to bring Beck to the university because PASC tries to host useful and timely presentations and she felt a class by Beck fell into that category.
"We thought this was a good one, especially with students who are now entering that credit era," Borelli said. "Something like this presentation will help them start out with the knowledge so they can avoid messing up their credit."
The presentation consisted of a slideshow and an interactive lecture by Beck.
Advice was given about credit cards and when to open them, what websites to trust to give accurate credit scores and what myths people should and shouldn't listen to when it comes to improving their credit scores.
Two attendees also received a raffle prize of Beck's book "Revealed: The Truth about Credit," which goes into more detail about the topic.
Norman Miller, the material handler in Dining Services, said he felt the presentation was useful even though he has a longer credit history than most traditional UNC students.
"I thought it was a good class," Miller said. "It wasn't just a lot of talk. The way he presented it sounded like it was pretty simple to implement. It's good to know how you're affecting your credit score no matter what."
Beck said that though he normally works one-on-one with clients, it isn't out of the ordinary for him to give lectures.
"I usually do two to three a month," Beck said. "Most of the time it is for realtors in Colorado where they get credit for their license to come listen to something like this. To the public, stuff like this, I don't get out as much, but I would like to do more of those."
Beck said, as an alumnus, it was good to give a lecture to the UNC community.
"It's always good to give back and help out," he said.