Ray FitzGerald

Ray FitzGerald

Bad Credit Expert

Ray has more than a decade of journalism experience, writing for publications such as The Gainesville Sun, Miami Herald, and Investment Times. He’s covered everything from Bitcoin and blockchain technology to real estate investing and the stock market, but most enjoys sharing creative ways to budget and save money to make income go further. He works closely with various firms and individuals to learn more about traditional and alternative investments in his spare time, and greatly enjoys watching and reading about classic films from the silent period through the advent of color.

Latest Posts

(24) Total Posts to Date

Blog

55,065 views

11 min read

Credit Counselling Society Provides Personalized, Compassionate Service to Financially Strained Canadians

Credit Counselling Society Provides Personalized Financial Assistance

In a Nutshell: For the past 20-plus years, Canadians with financial difficulties have found effective solutions... read more »

Ray FitzGerald

By: Ray FitzGerald • 6/25/18

Blog

70,191 views

9 min read

Debtmerica Relief Helps Clients Become Debt-Free in as Little as 24 to 48 Months by Enrolling Clients into Programs that Negotiate Balances and Create Custom Payment Plans

Debtmerica Relief Programs Help Clients Escape Debt

In a Nutshell: Eight in 10 Americans hold some sort of debt — from credit cards to loans or mortgages. While debt... read more »

Ray FitzGerald

By: Ray FitzGerald • 3/16/18

Blog

53,748 views

9 min read

Akinator Knows: Web and Mobile Game Harnesses Artificial Intelligence to Read Players’ Minds and Provide Hours of Free Entertainment

Akinator App’s Artificial Intelligence Provides Hours of Free Fun

In a Nutshell: When it comes to cheap or free entertainment options, it’s often difficult finding something that... read more »

Ray FitzGerald

By: Ray FitzGerald • 3/14/18

Blog

81,498 views

9 min read

Ally Bank’s Online Savings Account Earns Our 2018 Editor’s Choice™ Award for Its Consistently Competitive Interest Yields

Ally Bank Offers One of the Top Online Savings Interest Yields

In a Nutshell: Online banking has increased in popularity over the last decade as consumers look for ways to stay... read more »

Ray FitzGerald

By: Ray FitzGerald • 2/22/18

Blog

58,728 views

9 min read

Tips on Affordable Travel: The Professional Hobo and Creditwalk Writer Nora Dunn Shares Travel Hacks from Her Nomadic Lifestyle

Nora Dunn Shares Tips for Seeing the World on Any-Sized Budget

In a Nutshell: Everything Nora Dunn owns can fit inside one suitcase — and that’s exactly how she wants her life to... read more »

Ray FitzGerald

By: Ray FitzGerald • 2/20/18

Blog

55,055 views

5 min read

FlexShopper Allows Customers with Bad Credit to Shop Online for Brand-Name Rent-to-Own Items from Major Retailers

How FlexShopper is Revolutionizing the Rent-To-Own Industry

In a Nutshell: Consumers with low, or no, credit have few options for purchasing the furniture, electronics, or... read more »

Ray FitzGerald

By: Ray FitzGerald • 3/23/18

Blog

97,565 views

11 min read

Each Week, BiggerPockets Podcasts Help Thousands of Listeners Learn How to Manage Money and Invest in Real Estate Without Large Upfront Costs

BiggerPockets Educates Users on Money, Real Estate Investing

In a Nutshell: When Joshua Dorkin’s investment property began costing him more than it earned, he turned to the... read more »

Ray FitzGerald

By: Ray FitzGerald • 2/8/18

Blog

100,000+ views

5 min read

loanDepot Launches mello Home to Connect Pre-Approved Loan Customers to Verified Local Real Estate Agents

loanDepot’s mello Expansion Connects Homebuyers to Sellers

In a Nutshell: By focusing on personal, home, and home equity loans, and making customer service... read more »

Ray FitzGerald

By: Ray FitzGerald • 2/1/18

Guide

55,704 views

7 min read

Credit Repair Attorney: Do I Need a Law Firm for Credit Repair?

Do I Need a Credit Repair Attorney?

In American pop culture, lawyers seem to be almost equally depicted as both the righteous hero — and the diabolical... read more »

Ray FitzGerald

By: Ray FitzGerald • 1/30/18

Blog

100,000+ views

11 min read

Get More Bang Out of Your Bargain Machine —  CodeWeavers’ Crossover on Chrome OS Beta Supercharges Intel-Based Chromebooks

CrossOver on Chrome OS Beta Adds Value to Intel-Based Chromebooks

In a Nutshell: Chromebooks are rising in popularity as the small size — and smaller price tag — lure customers away... read more »

Ray FitzGerald

By: Ray FitzGerald • 1/11/18

Blog

100,000+ views

9 min read

loanDepot Combines Service and Technology to Disrupt the Traditional Lending Process with More Than $125 Billion in Loans Funded Since 2010

loanDepot Combines Service and Tech to Disrupt Traditional Lending

In a Nutshell: Mortgage interest rates have increased over the last year but still remain among the lowest they’ve... read more »

Ray FitzGerald

By: Ray FitzGerald • 12/20/17

Blog

100,000+ views

9 min read

Hassle-Free, Flexible Funding from FinTech Lender Kabbage Helps the Founder of HairZing Take Her Business Global

Hassle-Free, Flexible Funding from Kabbage Helps SMBs Thrive

In a Nutshell: Capital is the oxygen that keeps small businesses alive. Many ventures fail because they don’t have... read more »

Ray FitzGerald

By: Ray FitzGerald • 12/18/17

Blog

55,649 views

9 min read

Debt Support Trust Offers Helpful Advice and a Friendly Ear to UK Citizens Dealing with Debt Issues

Debt Support Trust’s Advice Helps UK Citizens Escape Debt

In a Nutshell: An increasing number of Brits struggle with debt issues every day across the UK. As the cost of... read more »

Ray FitzGerald

By: Ray FitzGerald • 12/12/17

Blog

77,292 views

9 min read

Club Money Offers Responsible Payday Loan Options for Australians with Same-Day Approval and Payouts

Club Money Offers Responsible Payday Loan Options for Australians

In a Nutshell: The unexpected is a part of life. Every day, medical needs, car problems, or leaky roof tiles... read more »

Ray FitzGerald

By: Ray FitzGerald • 12/5/17

Guide

100,000+ views

7 min read

3 Best Auto Loans for Bad Credit With No Down Payment

3 Best Auto Loans for Bad Credit With No Down Payment

I got my first job when I was 14. At that age, I knew I wanted to buy a car when it was time to get my license. Two... read more »

Ray FitzGerald

By: Ray FitzGerald • 11/27/17

Blog

78,336 views

9 min read

CalHFA – Connecting Californians with Financial Assistance Toward the Purchase of Their First Home

CalHFA: Helping Californians Buy Their First Home

In a Nutshell: Thousands of Californians close on their first mortgage every year. At the same time, thousands more... read more »

Ray FitzGerald

By: Ray FitzGerald • 11/20/17

Guide

76,661 views

7 min read

How Long Does Credit Repair Take?  (The Top 3 Companies)

How Long Does Credit Repair Take?

Anyone that’s run a race can tell you the most important part of your performance is the start. If you get off the... read more »

Ray FitzGerald

By: Ray FitzGerald • 11/16/17

Blog

100,000+ views

11 min read

NZCU Baywide Named Editor’s Choice™ for Secure, Affordable Personal and Mortgage Loans for New Zealand Families

NZCU Baywide: Secure, Affordable Home Loans in New Zealand

In a Nutshell: With home values rising and bank regulations that require a 20% down payment for a mortgage ,... read more »

Ray FitzGerald

By: Ray FitzGerald • 10/30/17

Blog

100,000+ views

15 min read

The Trustees of Reservations: Preserving Massachusetts’ Natural Beauty and Offering Free and Affordable Entertainment Experiences

The Trustees: Free and Affordable Experiences in Massachusetts

In a Nutshell: When you’re on a tight budget, it’s often difficult to find inexpensive options for entertainment... read more »

Ray FitzGerald

By: Ray FitzGerald • 10/12/17

Blog

100,000+ views

9 min read

Earnest Takes a Data-Driven Approach to Provide Consumers Lower Rates on New and Refinanced Loans

Earnest Offers Low-Rate Loans Based on Detailed Customer Data

In a Nutshell: Providing merit-based personal loans and student debt refinancing, Earnest takes a modern approach... read more »

Ray FitzGerald

By: Ray FitzGerald • 10/4/17

Blog

100,000+ views

11 min read

Debthelper.com’s Debt Management Plans Work to Eliminate Millions in American Consumer Debt Each Year

Debthelper.com’s DMPs Eliminate Millions in Debt Annually

In a Nutshell: While it’s not all considered “bad debt,” the average American household facing debt owes $132,529,... read more »

Ray FitzGerald

By: Ray FitzGerald • 9/29/17

Blog

100,000+ views

9 min read

Canada Drives® Steers Into the US Market with Vehicle Financing Options for Poor Credit Consumers

Canada Drives® Delivers Dealership-Matching Services to the US

In a Nutshell: CanadaDrives.ca is a Vancouver-based company that connects consumers of all credit profiles with... read more »

Ray FitzGerald

By: Ray FitzGerald • 9/19/17

Blog

100,000+ views

11 min read

How Credible® Can Help Borrowers with Limited Credit Save Up to $19,000 on Student Loans with a Co-Signer

Credible® — Refinance Student Loans & Save with a Co-Signer

In a Nutshell: Students don’t typically have the credit history to earn favorable interest rates on the loans... read more »

Ray FitzGerald

By: Ray FitzGerald • 9/15/17

Blog

100,000+ views

13 min read

Patelco Credit Union Offers Nationwide Account Access and Financial Education to More than 300,000 Members

Patelco Credit Union — Education and Accessibility for 300K Members

In a Nutshell: One of the oldest credit unions in the US, Patelco Credit Union is also one of the most accessible.... read more »

Ray FitzGerald

By: Ray FitzGerald • 8/31/17