Lucy Lazarony Gravatar

Lucy Lazarony

Contributor |  In Credit Score, Managing Debt

Lucy Lazarony is a freelance personal finance writer. Her articles have been featured on Bankrate.com, MoneyRates.com, MSN Money, and The National Endowment for Financial Education. Prior to freelancing, she worked as a staff writer for Bankrate.com for seven years.

She earned a bachelor’s degree in journalism from the University of Florida and spent a summer as an international intern at Richmond, The American International University in London.

She lives in South Florida.

5 People Who Can Wreck Your Credit

Credit Score

5 People Who Can Wreck Your Credit

5 People Who Can Wreck Your Credit

When it comes to your credit record, lots of folks can do damage to it if you’re not careful. Here are five people you may not suspect of damaging to your credit until it’s too late. Someone You Co-Signed for Who Stops Paying If you’ve co-signed for a loan or credit card account for a... Read More

How Often Should I Check My Credit Report?

Credit 101

How Often Should I Check My Credit Report?

How Often Should I Check My Credit Report?

Many people may put off checking their credit reports until they absolutely need to – perhaps because they’re applying for credit, or maybe they became aware of a problem with their credit. But there’s a lot to be said for proactively checking your credit – for one, you can discover errors, fraud or other problems,... Read More

Does My Age Help My Credit Score?

Credit 101

Does My Age Help My Credit Score?

Does My Age Help My Credit Score?

Does credit scoring favor older, more mature people? Nope. Credit scores do not consider a consumer’s age. Instead, it’s the age of your credit file, not your age as a person, that directly impacts your credit score. The length of your credit history accounts for about 15% of your credit score. When calculating your scores,... Read More

A Slacker’s Guide to Paying Off Debt

Managing Debt

A Slacker’s Guide to Paying Off Debt

A Slacker’s Guide to Paying Off Debt

Want that debt gone with as little effort as possible?  Here are some fast and easy tips for paying down your credit card and other debt. Even a slacker can be debt-free. Here’s how. 1. Consolidate Your Debt Dealing with multiple due dates each month?  Who needs that hassle?  Consolidate your debt and simplify your... Read More

3 Ways 20-Somethings Can Get Debt-Free

Managing Debt

3 Ways 20-Somethings Can Get Debt-Free

3 Ways 20-Somethings Can Get Debt-Free

Getting debt-free in your 20s can be more than just a dream. It can become your reality if you are willing to work hard, pay your debt obligations as agreed and spend less than you make. With planning and willpower, following these guidelines can help see you through to your goal. Know Your Budget Before... Read More

4 Ways Roommates Can Wreck Your Credit

Credit Score

4 Ways Roommates Can Wreck Your Credit

4 Ways Roommates Can Wreck Your Credit

Sharing a house or an apartment with a roommate or two can be a great way to save money. Just make sure to protect your credit, because an unscrupulous roommate can wreck your credit rating in a hurry. Here are four of the ways your roommates can wreck your credit, along with some tactics to... Read More

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