Josh Smith

About the Author

Josh Smith

Josh is a former Content Manager for Credit.com, CreditRepair.com, and Lexington Law. He worked closely with leaders in the credit industry to create educational and timely articles that consumers can use to make more informed decisions about their finances.

Latest Posts

20 posts written/edited to date

Guide

100,000+ views

3 min read

Paying Medical Bills to Avoid Bankruptcy (Feb. 2024)

Paying Medical Bills to Avoid Bankruptcy

As it turns out, the average American spends over $10,345 on healthcare each year. In many cases, these costs can skyrocket with each hospital... read more »

Josh Smith

By: Josh Smith • 3/13/19

Guide

100,000+ views

3 min read

Don’t Let Student Loan Debt Hurt Your Retirement (Feb. 2024)

Don’t Let Student Loan Debt Hurt Your Retirement

The cost of education is rising, and, more than ever, students are taking out loans to fund their education. A growing concern is that the burden... read more »

Josh Smith

By: Josh Smith • 2/27/19

Guide

100,000+ views

5 min read

Are Your Finances Safe Using Mobile Payment Apps? (Feb. 2024)

Are Your Finances Safe Using Mobile Payment Apps?

Are your finances safe using mobile payment apps? In the article below, we’ll tackle this common question by exploring the history of mobile... read more »

Josh Smith

By: Josh Smith • 1/8/19

Guide

100,000+ views

5 min read

Tips for Using Your First Credit Card Wisely (Feb. 2024)

Tips for Using Your First Credit Card Wisely

As with so many things in life, having some guiding words to help you along the way when you’re navigating a new experience can be invaluable.... read more »

Josh Smith

By: Josh Smith • 12/17/18

Guide

100,000+ views

5 min read

How to Escape the Payday Loan Trap (Feb. 2024)

How to Escape the Payday Loan Trap

Named after the recurring length of time that typically corresponds to a pay period, payday loans are a form of short-term cash advance loan used... read more »

Josh Smith

By: Josh Smith • 12/3/18

Guide

100,000+ views

5 min read

5 Things to Consider When Looking for a Cosigner (Feb. 2024)

5 Things to Consider When Looking for a Cosigner

Many people believe that cosigning for a loan is a simple process involving the use of a friend or family member’s excellent credit to help... read more »

Josh Smith

By: Josh Smith • 11/7/18

Guide

100,000+ views

5 min read

A Guide to Student Loan Interest Rate Increases (Feb. 2024)

A Guide to Student Loan Interest Rate Increases (Feb. 2024)

If you’re dealing with student loan debt and have been searching for a guide to student loan interest rate increases, keep reading for our take... read more »

Josh Smith

By: Josh Smith • 10/10/18

Guide

100,000+ views

5 min read

3 Ways Personal Loans Can Help You Save Money (Feb. 2024)

3 Ways Personal Loans Can Help You Save Money (Feb. 2024)

If you’re interested in discovering some of the ways personal loans can help you save money, keep reading, as we look at how loans may offer a... read more »

Josh Smith

By: Josh Smith • 9/26/18

Guide

100,000+ views

3 min read

How Cancelling Student Loans Can Impact Your Taxes

How Cancelling Student Loans Can Impact Your Taxes

In the following article, we’ll take a look at how canceling student loans can impact your taxes. One theme that consistently shows up in the... read more »

Josh Smith

By: Josh Smith • 5/22/18

Guide

100,000+ views

3 min read

How Will I Know My Identity Has Been Stolen? (Feb. 2024)

How Will I Know My Identity's Been Stolen?

Identity theft has become a serious concern over the past decade, as the U.S. —  and much of the world — moves steadily toward a digital economy... read more »

Josh Smith

By: Josh Smith • 5/10/18

Guide

100,000+ views

3 min read

How Soon Can I Get a Mortgage After Credit Problems?

Getting a Mortgage After Credit Problems

Many consumers have run into credit issues that can hamper their ability to secure a mortgage loan, be it as minor as a late payment or as severe... read more »

Josh Smith

By: Josh Smith • 4/4/18

Guide

100,000+ views

3 min read

5 Credit Laws You Need to Know (Feb. 2024)

5 Credit Laws You Need to Know (Feb. 2024)

As a consumer, you may think the most important things you need to know center around using your credit cards responsibly and maintaining a high... read more »

Josh Smith

By: Josh Smith • 3/28/18

Guide

100,000+ views

3 min read

5 Ways to Set Your Kids Up for Future Credit Success (Feb. 2024)

5 Ways to Set Your Kids Up for Future Credit Success (Feb. 2024)

Knowing the ways to set your kids up for future credit success will put your little ones ahead of the curve in many ways, as financial education... read more »

Josh Smith

By: Josh Smith • 2/7/18

Guide

100,000+ views

3 min read

3 Reasons Why It’s Crucial to Monitor Your Credit Report  (Feb. 2024)

3 Reasons Why It’s Crucial to Monitor Your Credit Report (Feb. 2024)

How often do you check your bank account? If you’re like most Americans, you probably log into your mobile banking account or mobile app... read more »

Josh Smith

By: Josh Smith • 1/10/18

Guide

100,000+ views

3 min read

5 Tips to Improve Your Chances for Loan Approval (Feb. 2024)

5 Tips to Improve Your Chances for Loan Approval (Feb. 2024)

Most people, at some point in their lives, will need to take out a loan for a large purchase, be it for a home, a car, or another important... read more »

Josh Smith

By: Josh Smith • 1/3/18

Guide

100,000+ views

5 min read

Which Type of Student Loan Should You Choose? (Feb. 2024)

Which Type of Student Loan Should You Choose and Why?

With tuition prices on the rise and the job market continuing to favor applicants with a college education, there are very few students who are... read more »

Josh Smith

By: Josh Smith • 12/6/17

Guide

100,000+ views

3 min read

How Having Good Credit May Help You Get a Job (Feb. 2024)

How Having Good Credit May Help You Get a Job

Did you know good credit can do more for you than help you get approved for a loan? For some people, good credit may help you get a job. While... read more »

Josh Smith

By: Josh Smith • 11/29/17

Guide

100,000+ views

3 min read

What Should You Do with Unused Credit Cards? (Feb. 2024)

What Should You Do with Unused Credit Cards?

If you’re carrying around old, forgotten plastic in your wallet, and wondering exactly what to do with unused credit cards, you’re not alone.... read more »

Josh Smith

By: Josh Smith • 11/21/17

Guide

100,000+ views

3 min read

6 Ways to Remodel Your Home Without Hurting Your Credit

6 Ways to Remodel Your Home Without Hurting Your Credit

Owning a home is a classic part of the American Dream for many people. And, while purchasing just any old home may be within reach of many... read more »

Josh Smith

By: Josh Smith • 11/14/17

Guide

100,000+ views

3 min read

Can Bankruptcy Give You a Second Chance?

Can Bankruptcy Give You a Second Chance?

In 2016, there were over 794,000 bankruptcy filings in the US. Many people see bankruptcy as a way of escaping their debts and responsibilities... read more »

Josh Smith

By: Josh Smith • 10/2/17