author

Kimberly Rotter

Author

Kimberly Rotter is a financial counselor and consumer credit expert who helps people with average or low incomes discover how to create wealth and opportunities. She’s a veteran writer and editor who has spent more than 30 years creating thousands of hours of educational content in every possible format.

How Your Credit Score Is Determined
The Good, Fair, and Poor: How Your Credit Score Is Determined

March 20, 2026

Payment history is the biggest credit score factor. But what else figures in? Get the details you need here.

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Will My Collection Accounts Ruin My Spouse’s Credit Score?
Will My Collection Accounts Ruin My Spouse’s Credit Score?

March 21, 2026

Your credit score only belongs to you—but how you handle credit could affect your spouse. Here’s how.

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5 Ways to Improve Your Financial Literacy
6 Ways to Improve Your Financial Literacy

March 19, 2026

If you have made it a goal to learn more about personal finance, then you…

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DIY Debt Solutions

March 19, 2026

If you’re ready to tackle debt, you’ve got the power. Here’s how to approach DIY debt payoff.

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How Does Student Loan Forbearance Affect Your Credit Score?
How Does Student Loan Forbearance Affect Your Credit Score?

March 18, 2026

Student loan forbearance differs for federal and private loans. Here’s how both can affect your credit score.

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The 3 Most Unexpected Costs of Owning a Home
The 3 Most Unexpected Costs of Owning a Home

March 22, 2026

We asked over 1,000 homeowners to tell us about the three most unexpected costs of…

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Does Medical Debt Affect Your Credit Score?
Does Medical Debt Affect Your Credit Score?

April 4, 2026

Medical debt over $500 could go on your credit report. Here’s how to reduce the impact and find debt relief.

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Maxed Out Credit Card? Here Are Your Options
Maxed Out Credit Card? Here Are Your Options

April 1, 2026

Need to pay down maxed-out credit cards? Here's how to handle it.

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Your First Credit Card
Your First Credit Card: How to Choose It, How to Use It

April 1, 2026

Your first credit card can level up your financial game. Here’s how to choose it and use it.

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How to Cope and Consolidate Your Credit Card Debt When Unemployed
How to Handle Credit Card Debt When Unemployed: 7 Proven Strategies [2025 Guide]

March 7, 2026

Unemployment can throw a wrench in your financial plans. Debt relief could help you get back on your feet.

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