Hi, Penny — I recently moved to the U.S., and I know that establishing a credit history is important, but I don’t know how to get started. How do I build credit from scratch? — New to the States Hi, New to the States! In the U.S., credit scores are used frequently to make decisions […]
Penny is Credit Karma’s conversation maven. If you’re a Credit Karma member and have had a question about your financial situation, you might have chatted with Penny about it in the Credit Karma app.
Now, Penny wants to help you even more with those pesky finance questions that pop into your head in the middle of the night, those concerns that pile up, or just money stuff you’ve been too shy to ask about.
That’s why we’ve asked some of our best writers and financial minds to give Penny a hand — making sure you get the real-world info you need.
Introducing our Ask Penny team …
Anna Baluch is a freelance personal finance writer from Cleveland, Ohio. You can find her work on sites like The Balance, Freedom Debt Relief, LendingTree and RateGenius. Anna has an MBA in marketing from Roosevelt University.
Stephanie Colestock is a personal finance writer with a passion for helping readers take control of their money. If it has to do with planning for the future, getting out of debt, or even traveling the world on points, you’ll find her writing about it. In addition to being a contributing writer for Credit Karma, her work can be seen on sites such as FinanceBuzz, Forbes, Johnny Jet, and U.S. News & World Report, among many others. To contact Stephanie, visit her website, stephaniecolestock.com.
Ben Luthi is a personal finance freelance writer and credit cards expert. He holds a bachelor’s degree in business management and finance from Brigham Young University. In addition to Credit Karma, you can find his work on sites like Money, NerdWallet, SuperMoney and USA Today.
Kevin Payne is a freelance writer and the family travel and budget expert behind FamilyMoneyAdventure.com. He writes regularly for Club Thrifty, FinanceBuzz, Millennial Money, PT Money and Student Loan Planner. Kevin lives in Cleveland, Ohio, with his wife and four kids.
Kim Porter is a writer and editor who has written for AARP the Magazine, Credit Karma, Reviewed.com, U.S. News & World Report, and more. Her favorite topics include maximizing credit card rewards and budgeting. When she’s not writing, you can usually find her training for her next race or baking.
Jennifer Brozic is a freelance financial services writer with a bachelor’s degree in journalism from the University of Maryland and a master’s degree in communication management from Towson University. She’s committed to helping her clients create authoritative and engaging content that builds credibility and inspires people to take action. She’s written about a variety of financial topics, including credit cards, insurance, personal loans and more. Connect with Jennifer on her website, jmb-communications.com.