Expertise
- Personal finance
- Personal loans
- Credit score
Education
- B.A. in journalism from the University of North Carolina
- Doctorate in English, University of Florida
About the author
John Howard has been the lead editor for MoneyFor’s personal loans and debt management coverage since 2016. Before joining MoneyFor, John held editorial roles at Kiplinger and The Oregonian, where he focused on consumer finance and economic trends. He later launched a freelance career, working with major financial publications. John holds a degree in economics from the University of North Carolina and a master’s in journalism from the University of Florida.
John's latest articles
Best Credit Cards to Build Credit with No Credit
Credit cards are an effective way to improve your credit score fast.
July 16, 2025
How to Build Credit Without a Credit Card
You can build credit without a credit card by using tools like credit-builder loans, rent reporting, and secured cards. However, some options may involve fees, interest charges or the risk of taking on debt if not managed carefully.
July 15, 2025
How to Use a Credit Card to Build Credit
Credit cards are a convenient payment system that can also boost your score when used responsibly.
July 8, 2025
American Express Business Platinum Card® Review 2025
The benefits, perks, and spending credits offered by the American Express Business Platinum Card® can be worth thousands of dollars.
July 1, 2025
What Happens If You Only Pay the Minimum Payment on Your Credit Card?
Why pay more than the minimum due on your credit statement each month? To avoid accumulating new interest.
June 26, 2025
Easiest Unsecured Credit Cards to Get
The best unsecured credit cards for poor scores not only help you raise your rating but offer affordable terms and conditions.
June 24, 2025