We independently evaluate all of our recommendations. If you click on links we provide, we may receive compensation. Will Baker is a full-time associate editor at Investopedia. He has over a decade of ...

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LaToya Irby is a credit expert who has been covering credit and debt management for nearly 20 years. She's been quoted widely in national publications, and her work has been cited in several books.

Farran Powell is the managing editor of investing at Forbes Advisor. She was previously the assistant managing editor of investing at U.S. News & World Report. Her work has appeared in numerous ...