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.

Who Can Access Your Credit Report
Who Can Access Your Credit Report and See Your Credit Score? The List Is Longer Than You Might Expect

December 1, 2025

Who can access your credit report? Lenders, employers, landlords…and more. Learn how to protect your privacy and rights.

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Reducing Expenses During a Sudden Financial Hardship
Reducing Expenses During a Sudden Financial Hardship

December 6, 2025

Struggling to keep up with your debt payments? A financial hardship assistance program could be just what you need.

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 Is a Credit Card Secured or Unsecured Deb
Is a Credit Card Secured or Unsecured Debt?

December 14, 2025

Not sure whether a secured or unsecured card is right for you? Here’s how to make the right choice.

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Debt Load
Debt Load and Your Finances

December 2, 2025

Learn how much debt might be too much for you. Find out where you stand and take control of your debt.

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

December 7, 2025

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

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Debt Reduction Program Pros and Cons
Debt Reduction Program Pros and Cons: How to Find the Right Solution for Your Financial Situation

December 8, 2025

If you’re facing financial hardship, a debt reduction program could help. Learn the pros and cons.

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Beyond Coupons: How to Save Money Shopping
Beyond Coupons: How to Save Money Shopping

December 10, 2025

Want to save money shopping? Check out these creative ways…

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How to Motivate Your Spouse to Pay Off Debt
How to Motivate Your Spouse to Pay Off Debt

December 14, 2025

Working with your spouse to pay off debt can increase your chance of success. Here’s how to get motivated.

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The Credit Card Sign Up Bonus: Too Good to Be True?
The Credit Card Sign-Up Bonus: Worth It?

November 29, 2025

Free money, or a way to lure you deeper into debt? Here is what you…

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Open Enrollment 2021: Should You Change Health Insurance in a Pandemic?
Should You Change Health Insurance?

December 4, 2025

There are some good reasons to change health insurance plans. Explore…

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