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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.

What Happens to Your Credit When You Die?

Credit 101

What Happens to Your Credit When You Die?

What Happens to Your Credit When You Die?

What exactly does happen to your credit when you die? It’s certainly not an everyday question that comes up, but whether you’re dealing with the estate of a loved one, or you’re wondering for your own estate-planning purposes, it’s certainly an important one. It’s no minor detail to secure the credit details in the event... Read More

The First Steps to Take Before You Start Paying Your Student Loans

Students

The First Steps to Take Before You Start Paying Your Student Loans

The First Steps to Take Before You Start Paying Your Student Loans

It’s a whole new world once you leave the cocoon of college and head off into the real world to make a living. You’re no doubt overwhelmed with getting a job and finding a place to live. That’s understandable. But if you paid for your college education with student loans, it’s also incredibly important to... Read More

How Your Budget Can Help You Build Credit

Credit Score

How Your Budget Can Help You Build Credit

How Your Budget Can Help You Build Credit

The building blocks of a healthy financial life are all tied to your budget — how much money is coming in, going out and where is it being used? Answering those questions and creating a budget that works for you can have a ripple effect on the rest of your finances. Specifically, a good budget... Read More

Which Credit Score Should I Pay Attention to?

Credit Score

Which Credit Score Should I Pay Attention to?

Which Credit Score Should I Pay Attention to?

There is no one credit score. There are many. The one that matters the most is the credit score that a lender looks at when considering your loan or credit card application. So how do you make sense of all of the credit scores out there? Most lenders use FICO scores or VantageScores when evaluating... Read More

How to Get Ready for a Credit Check

Credit Score

How to Get Ready for a Credit Check

How to Get Ready for a Credit Check

You’ll want to be sure your credit is in the best shape possible before you apply for a car loan, home loan or personal loan. But how do you get ready for a credit check? A lender checks your credit before approving you for a loan and your credit rating also determines what kind of interest... Read More

My Credit Score Makes No Sense

Credit Score

My Credit Score Makes No Sense

My Credit Score Makes No Sense

Having trouble understanding your credit score? Here’s how to make sense of that three-digit number lenders use to decide how creditworthy you are. Your credit score is determined by five key factors, all of which come from information in your credit report (you can see your credit reports for free, every year, from all three credit... Read More

Can I Get a Loan to Redecorate My House?

Personal Finance

Can I Get a Loan to Redecorate My House?

Can I Get a Loan to Redecorate My House?

Looking to give your home a serious makeover? Whether it’s in preparation for selling your home or just making your house into your dream home, it’s possible to get a loan to help you realize your grand redecorating dreams. And you have several financing options, especially if you just need to give a room or two a... Read More

Help! My Credit Score Disappeared

Credit Score

Help! My Credit Score Disappeared

Help! My Credit Score Disappeared

Have you lived overseas for a few years? Gotten married and gotten by on your spouse’s credit accounts? Have you cut up your credit cards and just paid with cash or your debit card for a good number of years? If this is you, your credit record may have gone “poof!” and your credit score... Read More

How to Find a Holiday Job

Personal Finance

How to Find a Holiday Job

How to Find a Holiday Job

Everyone likes to spend, spend, spend during the holiday season. But it might be a better time to earn, earn, earn. The holiday spending binge that almost all of use partake in can leave many consumers with debt. It’s not uncommon for us to stretch our budgets to their breaking point, and overspending can have... Read More

3 Spooks That Can Haunt Your Credit

Identity Theft

3 Spooks That Can Haunt Your Credit

3 Spooks That Can Haunt Your Credit

As Halloween rolls around, it’s time to tackle your financial fears. For many Americans, pulling your credit reports (you can get free credit reports once a year) and checking your credit scores can be a terrifying idea. If you haven’t checked your credit in a while, you don’t know what you could find on there and... Read More

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