Josh Smith

Josh Smith

Bad Credit Expert

Josh is the Content Manager for Credit.com, CreditRepair.com, and Lexington Law. He works 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

(16) Total Posts to Date

Guide

4,199 views

11 min read

How to Escape the Payday Loan Trap

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... read more »

Josh Smith

By: Josh Smith • 11/29/18

Guide

9,168 views

9 min read

5 Things to Consider When Looking for a Cosigner

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... read more »

Josh Smith

By: Josh Smith • 11/1/18

Guide

15,048 views

9 min read

A Guide to Student Loan Interest Rate Increases

A Guide to Student Loan Interest Rate Increases

If you have student loans, you know they can be a source of overwhelming stress. High interest rates and daunting... read more »

Josh Smith

By: Josh Smith • 10/2/18

Guide

25,004 views

9 min read

3 Ways Personal Loans Can Help You Save Money

3 Ways Personal Loans Can Help You Save Money

We have a wide range of financing options in the current marketplace, including everything from revolving credit... read more »

Josh Smith

By: Josh Smith • 9/26/18

Guide

40,425 views

7 min read

How Cancelling Student Loans Can Impact Your Taxes

How Cancelling Student Loans Can Impact Your Taxes

One theme that consistently shows up in the news these days is the growing student loan crisis. Americans currently... read more »

Josh Smith

By: Josh Smith • 5/15/18

Guide

51,632 views

7 min read

How Will I Know My Identity Has Been Stolen?

How Will I Know My Identity's Been Stolen?

Identity theft has become a serious concern over the past decade, as the US —  and much of the world — moves... read more »

Josh Smith

By: Josh Smith • 5/10/18

Guide

75,648 views

7 min read

How Soon Can I Get a Mortgage After Credit Problems?

How Soon Can I Get 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... read more »

Josh Smith

By: Josh Smith • 3/23/18

Guide

63,968 views

7 min read

5 Credit Laws You Need to Know

5 Credit Laws You Need to Know

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

Josh Smith

By: Josh Smith • 3/28/18

Guide

84,812 views

7 min read

5 Ways to Set Your Kids Up for Future Credit Success

5 Ways to Set Your Kids Up for Future Credit Success

Establishing and maintaining good credit is a process that can begin early in life. Of course, when your children... read more »

Josh Smith

By: Josh Smith • 5/7/18

Guide

100,000+ views

7 min read

3 Reasons Why it’s Important to Monitor Your Credit Report

3 Reasons Why it’s Important to Monitor Your Credit Report

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

Josh Smith

By: Josh Smith • 9/28/18

Guide

91,146 views

7 min read

5 Tips to Improve Your Chances for Loan Approval

5 Tips to Improve Your Chances for Loan Approval

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... read more »

Josh Smith

By: Josh Smith • 1/3/18

Guide

98,184 views

11 min read

Which Type of Student Loan Should You Choose?

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... read more »

Josh Smith

By: Josh Smith • 12/6/17

Guide

100,000+ views

7 min read

How Having Good Credit May Help You Get a Job

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... read more »

Josh Smith

By: Josh Smith • 11/29/17

Guide

89,052 views

7 min read

What Should You Do with Unused Credit Cards?

What Should You Do with Unused Credit Cards?

If you’re carrying around old, unused, or forgotten credit cards, you’re not alone. According to 2014 Gallup data... read more »

Josh Smith

By: Josh Smith • 5/7/18

Guide

100,000+ views

7 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... read more »

Josh Smith

By: Josh Smith • 11/14/17

Guide

99,360 views

7 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... read more »

Josh Smith

By: Josh Smith • 10/5/17