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 93 Articles To Date

Blog

374 views

3 min read

Trump Nominates CFPB Critic Brian Johnson to Lead Agency

Trump Nominates CFPB Critic Brian Johnson to Lead Agency

President Trump has nominated Brian Johnson to be director of the Consumer Financial Protection Bureau, pending Senate confirmation. Johnson is a... read more »

By: Lucy Lazarony • 6/11/26

Blog

255 views

3 min read

Yendo Launches Unsecured Credit Card for Non-Prime Borrowers

Yendo Launches Unsecured Card for Non-Prime Borrowers

A new unsecured card for consumers with non-prime credit scores has hit the market. Yendo, a fintech lender, is expanding its suite of credit... read more »

By: Lucy Lazarony • 6/11/26

Blog

510 views

3 min read

New FICO Score Uses Cash Flow Data to Expand Credit Access

New FICO Score Uses Cash Flow Data to Expand Credit Access

FICO has launched UltraFICO Score which uses consumer-permissioned cash flow data from Plaid. FICO says its scores are used by 90% of top U.S.... read more »

By: Lucy Lazarony • 6/9/26

Blog

832 views

5 min read

Free $1,000 for Kids: Who Qualifies for a Trump Account?

Trump Accounts for Kids: Who Qualifies for the Free $1,000?

Not many parents look at a newborn and think about the baby’s retirement savings. But if they do, they may wish to open a Trump account, a new... read more »

By: Lucy Lazarony • 6/8/26

Blog

2,088 views

3 min read

No Down Payment, 660 Credit Score: New Mortgage Opens the Door to Homeownership

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 for low to moderate-income... read more »

By: Lucy Lazarony • 6/5/26

Blog

3,184 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

6,346 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

5,321 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

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