Author Profile: Allison Martin

Allison Martin, Allison Martin is a digital content strategist and personal finance junkie. Her work has been featured on ABC News, MSN Money, Yahoo! Finance, Fox Business, Credit.com, Money Talks News, The Wall Street Journal and a host of other reputable publications. When she's not writing away, Allison enjoys spending time with her family and traveling.

I Took Out a Higher Interest Rate Loan and I’m So Glad I did

About a few months ago, my condo building had a leak that damaged several units including mine. The total damage came out to be over $11,000. Although I had homeowners insurance, the process to file a claim would’ve taken over two months. If you’ve ever experienced anything like this, I’m sure you understand the dire need to get contractors out…

Careful: 5 Credit Card Scams to Be Aware Of

Identity thieves will do whatever it takes to swindle you out of your hard earned cash. But it doesn’t always stop there as credit cards are also a viable option. In the past few years, we’ve watched as several big-box retailers, including Target and Home Depot, scrambled to make amends with customers who were affected by breaches to their payment…

5 Little-Known Ways Your Partner Can Ruin Your Credit

Planning to move in with your significant other or tie the knot in the near future? There are many exciting discussions to be had, but money matters may not be one of them. In fact, it’s the dreaded topic many couples prefer to stay away from. But doing so can have serious implications for your finances and your credit. Let’s take…

Rejected for a Secured Credit Card? Here’s What to Do

Looking for ways to rebuild your subpar credit? You may be advised to obtain a secured credit card from a major issuer. To open a secured credit card, you’ll need to make a cash deposit to serve as collateral. This amount usually determines your available credit. Sounds simple, but what happens if you’re not approved? Do you throw in the…

5 Easy Ways to Wipe Out Credit Card Debt

Credit card debt is easy to get into and difficult to get out of.  Prior to heading off to college, my mother told me that credit cards could be my best friend or worst enemy. She continued by saying that keeping the balances low and making timely payments was the sound thing to do. Unfortunately, I ignored the warnings and found…

Can Poor Credit Affect My Job Search?

You spend hours perfecting your resume and cover letter for your dream job. The interview goes smoothly and the employer wants to offer you the position. But there’s one more hurdle to pass: the background check, which includes a credit screenings. To your surprise, the employer is forced to pursue other candidates because your credit profile doesn’t quite check out….

Credit Monitoring: Is It Worth It?

Are you considering a fee-based credit monitoring service? Makes perfect sense, considering the prevalence of identity theft in the U.S. alone. In 2014, 17.6 million U.S. residents experienced one or more incidents of identity theft, according to the Bureau of Justice Statistics. That’s 7 percent of the population age 16 and over! We’ve even witnessed several big-box retailers fall victim to security breaches. But…

6 Lies About Credit Cards You Actually Believe

When it comes to credit cards, I’ve heard it all. There are so many myths floating around about the magic plastic that you may be tempted to avoid them altogether. Even worse, a lack of knowledge could lead to irresponsible use that could haunt you for years. Unfortunately, I was a part of the latter group and it ended up…

9 Auto Loan Financing Tips You Shouldn’t Ignore

During my teenage years, I was fortunate enough to receive my first car as a gift from my mother. Once it was time for a new set of wheels, I quickly drove to the nearest auto dealership and started my search. Little did I know, getting a good deal on a new car requires a ton of research. And the financing process…