Zina Kumok

Zina Kumok

Bad Credit Expert

Zina Kumok is a personal finance writer, certified financial health counselor, and student loan counselor. She works as a money coach helping people one on one at ConsciousCoins.com. Her advice has been featured in Lifehacker, FoxBusiness, Time Magazine, Investopedia, Forbes, and several other major financial brands. She paid off $28,000 worth of student loans in three years. She's a three-time Plutus Awards finalist for Best Personal Finance Contributor and a three-time speaker at FinCon, the premier financial media conference.

Latest Posts

(4) Total Posts to Date

Guide

27,421 views

19 min read

15 Higher Credit Score Secrets

15 Secrets For Raising Your Credit Score

If you’ve ever struggled with the consequences of poor credit, you may feel like everyone except you seems to know... read more »

Zina Kumok

By: Zina Kumok • 2/1/21

Guide

23,045 views

29 min read

Credit Score Charts: Data & Trends in 2021

15 Credit Score Charts: Data & Trends in 2021

Credit score charts are an easy way to make sense of what can be an overwhelmingly complicated topic. There’s a... read more »

Zina Kumok

By: Zina Kumok • 12/21/20

Guide

42,713 views

23 min read

How to Finance & Buy Cars for Sale with Bad Credit

How to Finance Cars for Sale with Bad Credit

Finding cars for sale with bad credit can be difficult. Thankfully, a less-than-stellar credit score doesn’t have... read more »

Zina Kumok

By: Zina Kumok • 10/22/20

Guide

91,488 views

33 min read

Personal Loans for Bad Credit in 2021

7 Personal Loans for Bad Credit Borrowers

When you need money quickly, figuring out where to get the best personal loans for bad credit can be a struggle. Do... read more »

Zina Kumok

By: Zina Kumok • 11/10/20