author

Cole Tretheway

Financial writer

Cole is a freelance writer. He’s written hundreds of useful articles on money for personal finance publications like The Motley Fool Money. He breaks down complicated topics, like how credit cards work and which brokerage apps are the best, so that they’re easy to understand.

Lowest Credit Score
What Is the Lowest Credit Score?

February 27, 2026

While very rare, the lowest possible credit score is 300. However, any credit score under 500 is low and under 580 is sub-prime.

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Do Consolidation Loans Hurt Your Credit
Do Consolidation Loans Hurt Your Credit?

March 1, 2026

Consolidation could hurt or help your score. Here’s how to tell when it’s the right choice for you.

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7 Smart Ways to Use Your Credit Cards in a Recession
8 Smart Ways to Use Your Credit Cards in a Recession

March 2, 2026

Different times call for different spending strategies. Here are the best ways to use credit cards in a recession.

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What You Should Know About Credit Discrimination
What You Should Know About Credit Discrimination

March 3, 2026

At Freedom Debt Relief, we know that discrimination within the financial industry exists. Learn more…

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Denied credit card
Denied a Credit Card? Here’s What to Do Next

March 3, 2026

Card denial isn’t the end of the story—use it as a step toward stronger credit and future approvals.

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Survey: 54% of Americans Can’t Handle a $500 Expense
How to Handle an Unexpected $500 Bill

March 3, 2026

We surveyed more than 2,000 Americans on their financial situation and learned that 54% of…

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Is Your Financial Stress at an All Time High?
3 Reasons Your Financial Stress Is At an All-Time High

March 3, 2026

Even if your financial stress is at an all time high, there are ways to…

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How to Save $100 by Unsubscribing from Entertainment Apps
How to Save $100 by Unsubscribing from Entertainment Apps

March 6, 2026

Many of us have no idea what we spend on subscription services every year. How…

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How to open a bank account no creditor can touch
How to Open a Bank Account That No Creditor Can Touch

March 7, 2026

There are four tactics for protecting deposits from creditors.

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Government Building
What Was Biden’s Student Loan Forgiveness Program?

March 8, 2026

Can the Biden student loan forgiveness plan help you?

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