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.

Credit limits are one of the quiet levers that shape your financial life, influencing everything from your credit score to ...

Your credit scores can wax and wane a bit like the moon, changing frequently as your credit accounts and balances change. However, big changes to your credit scores could be an indication that ...

Good credit is the gateway to financial power — from lower mortgage rates and cheaper car insurance to premium rewards credit cards and nicer apartments. But many Americans are mystified by their ...