Lucy Lazarony

Senior Credit Writer
Lucy Lazarony

About the Author

Lucy Lazarony is a veteran financial journalist with nearly 30 years of experience covering credit, credit cards, and consumer finance. Widely recognized for her ability to demystify complex financial topics, Lucy has established herself as a trusted authority in the credit space.

She previously served for seven years as a staff writer at Bankrate.com, where she contributed in-depth reporting, trend analysis, and consumer-focused guidance on credit cards and lending products. Her work has since appeared in top-tier publications, including Investopedia, Next Avenue, the National Endowment for Financial Education (NEFE), and Credit.com, reinforcing her reputation as a leading voice in personal finance journalism.

Lucy holds a bachelor’s degree in journalism from the University of Florida, where she developed the investigative and reporting skills that continue to shape her career. Her excellence in storytelling has been recognized by the Florida Press Club, earning awards for Education Reporting (2016) and Arts News Reporting (2015).

Across her career, Lucy has helped millions of readers make informed financial decisions, offering clarity on credit scoring, responsible credit card use, debt management, and consumer rights. Her work remains a cornerstone resource for individuals seeking transparent, accurate, and actionable financial information.

Latest Posts

Worked On 108 Articles To Date

Blog

340 views

5 min read

Gen X Optimism Masks Growing Credit Card Debt

Gen X Optimism Masks Growing Credit Card Debt

Consumers remain optimistic about their finances, but Gen X is showing some of the clearest signs of financial strain. Fifty-five percent of... read more »

By: Lucy Lazarony • 7/9/26

Blog

442 views

5 min read

New-Car Buyers Stretch Loans as Payments Hit Record Highs

New-Car Buyers Stretch Loans as Payments Hit Record Highs

Car buyers are stretching their budgets to the limit as they take on record-long loans and record-high payments while putting less money down.... read more »

By: Lucy Lazarony • 7/8/26

Blog

810 views

3 min read

Massachusetts Plan Would Keep Medical Debt Off Credit Reports

Massachusetts Plan Would Keep Medical Debt Off Credit Reports

Massachusetts Governor Maura Healey has proposed regulations that would stop medical debt from being reported on consumer credit reports in... read more »

By: Lucy Lazarony • 7/7/26

Blog

1,445 views

3 min read

Minnesota AG Sues Brigit Over Alleged Payday Loans

Minnesota AG Sues Brigit Over Alleged Payday Loans

Minnesota Attorney General Keith Ellison has filed a lawsuit alleging personal finance app Brigit violated the state’s payday lending laws.... read more »

By: Lucy Lazarony • 7/3/26

Blog

2,142 views

3 min read

Why Lower-Income Americans Use Credit Cards to Build Credit

Why Lower-Income Americans Use Credit Cards to Build Credit

How much you make may determine how you use your credit cards. According to a study by Credit One Bank, 37% of surveyed consumers earning $50,000... read more »

By: Lucy Lazarony • 7/2/26

Blog

2,114 views

3 min read

Social Security Benefit Cuts Could Hit Americans by 2032

Social Security Benefit Cuts Could Hit Americans by 2032

Social Security benefits could be cut by 22% in 2032 unless Congress steps in with legislation to keep the program fully funded. The Old Age and... read more »

By: Lucy Lazarony • 6/30/26

Blog

2,211 views

3 min read

AI Auto Loan Fraud Could Make It Harder to Get Approved

AI Auto Loan Fraud Could Make It Harder to Get Approved

New auto loans do not always show up on credit reports right away. And thieves count on that window. Before a lender reports the debt to the... read more »

By: Lucy Lazarony • 6/29/26

Blog

3,281 views

3 min read

Banks Rush Into Buy Now, Pay Later as Consumer Use Surges

Banks Rush Into Buy Now, Pay Later as Consumer Use Surges

Major banks are responding to the popularity of Buy Now, Pay Later shopping with credit cards and even a debit card that allows shoppers to pay... read more »

By: Lucy Lazarony • 6/25/26

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