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.
January 31, 2026
Don’t buy into the 20% down payment myth. There are other options, and some may be right for you.
Read more
January 31, 2026
You’ve got leverage—you can sue debt collectors who don’t follow the rules. Read up on the details.
Read more
January 31, 2026
Help yourself get out of debt with these lifestyle changes and better money management.
Read more
January 31, 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.
Read more