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

(20) Total Posts to Date

Guide

8,954 views

7 min read

Paying Medical Bills to Avoid Bankruptcy

Paying Medical Bills to Avoid Bankruptcy

As it turns out, the average American spends over $10,345 on healthcare each year. In many cases, these costs can... read more »

Josh Smith

By: Josh Smith • 4/12/19

Guide

16,512 views

7 min read

Don’t Let Student Loan Debt Hurt Your Retirement

Don’t Let Student Loan Debt Hurt Your Retirement

The cost of education is rising, and, more than ever, students are taking out loans to fund their education. A... read more »

Josh Smith

By: Josh Smith • 2/26/19

Guide

28,832 views

11 min read

Are Your Finances Safe Using Mobile Payment Apps?

Are Your Finances Safe Using Mobile Payment Apps?

Not so long ago, making a payment nearly always required some sort of paper, be it paper money or paper check. As... read more »

Josh Smith

By: Josh Smith • 1/8/19

Guide

44,838 views

9 min read

Tips for Using Your First Credit Card Wisely

Tips for Using Your First Credit Card Wisely

The day you get approved for your first credit card can be a milestone of adulthood. It signifies that you are now... read more »

Josh Smith

By: Josh Smith • 11/29/18

Guide

40,261 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

42,400 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

54,392 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

49,548 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

100,000+ 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

100,000+ 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

100,000+ 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

100,000+ 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

93,086 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

100,000+ 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

100,000+ 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

100,000+ 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

100,000+ 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