After looking at some charts I'm thinking Bacterial Speck. Anyone with more experience have any thoughts. This is only my second year growing tomatoes.

Can you post pictures ?

http://imgur.com/a/Hde6r

Here is a link that might be useful: http://imgur.com/a/Hde6r

Judging from that picture, I would not be alarmed.

It is normal for the lower leaves to yellow and die/fall off. To be safe, I would just cut off those leaves.

I would also give the plants a light dose of fertilizers. They look a bit pale to me.'

yeah i noticed the pale leaves its only on that one plant and its the biggest so maybe its using more nutes than the others. i had given some bird guana a couple days before the picture, it didn't seem like it helped so i gave it some fish emulsion today.

Yellowing bottom leaves are normal, trim and remove from the garden area as they might be blighted. Mulch plants to avoid dirt splash as it can damage leaves. I grow 'better boy' in cages with three stems (two are the lowest suckers) and remove 1/3 to 1/2 of all leaves to provide better air circulation. Very productive.