
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.
March 20, 2026
Payment history is the biggest credit score factor. But what else figures in? Get the details you need here.
Read moreMarch 21, 2026
Your credit score only belongs to you—but how you handle credit could affect your spouse. Here’s how.
Read moreMarch 19, 2026
If you have made it a goal to learn more about personal finance, then you…
Read moreMarch 19, 2026
If you’re ready to tackle debt, you’ve got the power. Here’s how to approach DIY debt payoff.
Read moreMarch 18, 2026
Student loan forbearance differs for federal and private loans. Here’s how both can affect your credit score.
Read moreMarch 22, 2026
We asked over 1,000 homeowners to tell us about the three most unexpected costs of…
Read moreApril 4, 2026
Medical debt over $500 could go on your credit report. Here’s how to reduce the impact and find debt relief.
Read moreApril 1, 2026
Need to pay down maxed-out credit cards? Here's how to handle it.
Read moreApril 1, 2026
Your first credit card can level up your financial game. Here’s how to choose it and use it.
Read moreMarch 7, 2026
Unemployment can throw a wrench in your financial plans. Debt relief could help you get back on your feet.
Read more



