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.

Tips on paying off credit card debt
Tips for Paying Off Credit Cards

March 8, 2026

Learn payment methods and debt management techniques for paying off credit card debt faster and for less money.

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What Is a Pay-for-Delete Agreement?
What Is a Pay-for-Delete Agreement?

March 8, 2026

No one wants negative information on their credit report. Can pay-for-delete really help you get rid of it?

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What Is Envelope Budgeting
What Is Envelope Budgeting?

March 8, 2026

Envelope budgeting could make managing your finances a lot easier. Here's how to get started.

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Recovering from a Contractor Gone Wrong…Without Bankruptcy
Recovering from a Contractor Gone Wrong…Without Bankruptcy

March 7, 2026

When a contractor takes you for a ride, you have options to fix your finances. Find out more.

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Is 600 A Good Credit Score
Is a 600 Credit Score Bad?

March 7, 2026

While a 600 credit score isn't bad, you can improve it to earn more access to credit and cheaper interest rates.

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I Went From Late Payments to an 810 Credit Score. Here's How
I Went From Late Payments to an 810 Credit Score. Here's How

March 9, 2026

Can you move from late payments to excellent credit? Absolutely. Here's how I did it.

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Can the Lender Change the Interest Rate on My Personal Loan?
Can the Lender Change the Interest Rate on My Personal Loan?

March 9, 2026

If you’re wondering about the possibility of a rate hike on your personal loan, here’s what you need to know.

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Questions to Ask About Home Loans Before You Consolidate Debt
Questions to Ask About Home Loans Before You Consolidate Debt

March 9, 2026

A home equity loan could help you pay off debt. Learn the details before borrowing against your home.

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How to Buy a House with Bad Credit
How to Buy a House with Bad Credit

March 10, 2026

Bad credit doesn't need to stand in the way of your dream of homeownership.

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How to Avoid Wedding Debt
How to Avoid Wedding Debt

March 9, 2026

It’s easy to get caught up in the excitement of wedding planning and spend more…

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