Alice Bryant

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Alice Bryant

Alice Bryant is the Editor of Creditnet and a personal finance expert with over a decade of experience writing about credit cards, credit scores, debt repair, and more.

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Recent Blogs

Are You Dealing with Maxed-out Credit Cards?

Credit cards are convenient for making purchases quick and simple, and holding one or more cards is a sign of individual credit worthiness and responsibility. With little more than a swipe, a person can access the full range of goods and services to meet his or her needs and desires. Credit cards are an excellent tool, especially if the balance is regularly paid off. Sometimes, for a number of reasons, users need to carry a balance from month to month. Over time, this can decrease available credit and lead to a card that is maxed out.

What is the Worst Thing That Could Happen to Your Credit in a Divorce?

If more married people knew how badly their finances could be devastated by divorce before they gave up on their marriages, they might think twice about going through with the big split. In a better case scenario, disentangling from one another financially alone could require many years. Risks to credit exist until this financial separation process is finally over. Prospective divorcees need to prepare themselves for the unexpected and unwanted shocks that most always happen in divorce court and afterward so that they are not caught with their proverbial pants down.

Is a Perfect Credit Score Worth It?

Consumers across the nation have the terms “FICO” and “credit score” embedded into their brains. These terms refer to a scoring system that judges a person’s reliability with creditors. Creditors use this main scoring system as their gospel for making crucial credit decisions. While they may use other factors in their decision-making process, creditors weigh an applicant’s score the highest in their procedures. Consumers are under the impression that they must all set their heights to achieving a perfect credit score. Is a perfect credit score worth it? 

Top Ways to Lower Your Financial Stress

If there is one common thing that can keep people up at night, it is financial stress. Regardless of your age or income level, you may worry about if you have enough money to pay certain bills, how you will afford to send the kids to school, or if you are saving enough for retirement. These are just a few of the common concerns that people face about their finances. While some may think that the answer to their financial woes is to increase their income level, the fact is that financial stress is common across all income brackets.

4 Credit Card Myths to Stop Teaching Your Kids

Personal finance "experts" are a dime a dozen these days. Simply mentioning something like credit cards will generally cause people to jump at the chance to educate you with their very best advice.

So as you might imagine, kids today are hearing a lot of advice about credit cards - from parents, teachers, schoolmates, commercials...the list goes on. So what credit card myths have your children probably been taught already?

Here are four you should make sure your kids never learn: