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 89 Articles To Date

Blog

272 views

3 min read

No Down Payment, 660 Credit Score: New Mortgage Expands Access

No Down Payment, 660 Score: New Mortgage Expands Access

A new mortgage pilot program offers a lifeline to homebuyers with little savings and not the best credit. These loans come with no down payment... read more »

By: Lucy Lazarony • 6/5/26

Blog

918 views

3 min read

Study Finds 35% of Subprime Consumers Have No Credit Cards

Study Finds 35% of Subprime Consumers Have No Credit Cards

They are 44 million strong and make up 17% of U.S. consumers. They are the people with subprime credit scores, and many have no credit cards or... read more »

By: Lucy Lazarony • 6/2/26

Blog

1,529 views

3 min read

Rent Payments May Now Help You Qualify for a Mortgage

Rent Payments May Now Help You Qualify for a Mortgage

The Federal Housing Administration (FHA), Fannie Mae and Freddie Mac are moving toward broader use of new credit-scoring models that consider an... read more »

By: Lucy Lazarony • 5/29/26

Blog

2,490 views

3 min read

NYC Cracks Down on Debt Collectors With New SHIELD Rule

NYC Cracks Down on Debt Collectors With New SHIELD Rule

New York City is cracking down on debt collectors. New York City’s Department of Consumer and Worker Protection (DCWP) has issued a new rule that... read more »

By: Lucy Lazarony • 5/27/26

Blog

1,936 views

3 min read

3.6 Million Federal Student Loan Borrowers Default in Six Months

3.6 Million Federal Student Loan Borrowers Default in Six Months

Millions of student loan borrowers are defaulting on their federal student loans. It is estimated that 2.6 million federal student loan borrowers... read more »

By: Lucy Lazarony • 5/26/26

Blog

4,816 views

3 min read

Trump’s New Fintech Executive Order Raises Fears of Predatory Loans

President Trump Signs Executive Order Promoting Fintech

President Trump’s latest push to expand fintech and crypto access is winning praise from the financial tech industry, but consumer advocates say... read more »

By: Lucy Lazarony • 5/22/26

Blog

3,240 views

3 min read

U.S. Foreclosures Rise 18% as Homeowners Struggle With Mortgages

Foreclosures Rise 18% as Homeowners Struggle With Mortgages

More U.S. properties have received foreclosure filings over the past year. Despite a slight 8% dip in foreclosures from March 2026 to April 2026,... read more »

By: Lucy Lazarony • 5/21/26

Blog

5,664 views

3 min read

FICO Exposes The Credit Score Myths That Social Media Keeps Spreading

FICO Exposes The Credit Score Myths That Social Media Keeps Spreading

When it comes to credit, don’t believe everything you see on the Internet. Social media hacks and finfluencers talk a good game, but they often... read more »

By: Lucy Lazarony • 5/19/26

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