Dan Goldstone wants to help consumers in all walks of life be smarter about managing their personal finances. His message: today, good credit is almost as critical as good health.

Consider these debt facts:

o more than 50 percent of Americans carry $10,000 in credit card debt
o Two million Americans filed for personal bankruptcy in 2005
o 83 percent of college students carry a credit card
o 96 percent of graduate students have 6 credit cards with an average…