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.

How Much Debt Does the Average American Have?
How Much Debt Does the Average American Have?

April 1, 2026

Don’t let nationwide debt averages drive you. Your debt can be conquered no matter how it compares.

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5 Smart Ways to Spend Your 2020 Tax Refund
5 Smart Ways to Spend Your Tax Refund

March 15, 2026

There are so many things you can do with a tax refund, but what should…

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

October 23, 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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What You Should Know About Credit Discrimination
What You Should Know About Credit Discrimination

July 31, 2026

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

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Budget billing graphic
What Is Budget Billing? A Guide to How It Works

March 10, 2026

Skip the bill shock—budget billing keeps your utility payments steady month after month.

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

October 27, 2026

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

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

October 24, 2026

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

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How to Check Your Credit for Free Online
How to Check Your Credit for Free Online

September 21, 2026

You don’t need to sign up for a subscription to check your credit score.

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Car Loan Refinance
Car Loan Refinance: Is It Worth It to Get a Lower Payment?

October 26, 2026

Think about more than just rates when you consider refinancing your car loan. We’ll show you how to compare offers.

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Lowest Credit Score
What Is the Lowest Credit Score You Can Have?

July 30, 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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