Monitor your Credit Score with ChoiceCreditScore

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Key takeaways

Regularly monitoring your credit score helps you identify and correct errors, improving your overall credit health.
A higher credit score can lead to better interest rates on loans and credit cards, saving you money in the long run.
Using a credit monitoring service like ChoiceCreditScore provides real-time updates and protection against identity theft, ensuring your financial information remains secure.

Empower your financial dreams with a stellar credit score! This three-digit number is key to getting the best loans, credit cards, and more.

A high credit score can lead to lower interest rates on home and auto loans. You can save substantial amounts on insurance premiums and get credit cards with lucrative rewards.

Monitoring your credit score isn’t just a good habit; it’s essential for improving it. That’s where ChoiceCreditScore steps in, providing a real-time window into your credit health along with expert guidance.

With ChoiceCreditScore, you’re on the path to a fiscally bright future. You will see your score and find out how your actions affect it. Step by step, you can learn how to improve it.

Stay on top of your credit score with ease

With all the responsibilities that get piled on adults, maintaining a good credit score can fall by the wayside. Who has time to monitor that three-digit number? Is it really that important anyway?

Yes, your credit score can affect many aspects of your life. It impacts what credit cards you qualify for, what apartment you can rent, and even your insurance premiums in some states.

Tools like ChoiceCreditScore aid in the monitoring process to make your life easier. They do all the heavy lifting for you and send real-time alerts if anything needs your attention. With ChoiceCreditScore, you will have an accurate and up-to-date picture of your credit rating. This powerful tool provides an easy and convenient solution for anyone looking to take control of their financial health.

By offering insights into your credit history and the factors influencing your score, ChoiceCreditScore helps you make informed decisions. Whether you’re aiming to qualify for lower interest rates on loans or secure better insurance premiums, a good credit score is crucial. ChoiceCreditScore not only helps you understand your current standing but also offers tailored advice on how to improve it.

The platform’s user-friendly interface and expert guidance make managing your credit score less intimidating and more actionable. Regular monitoring through ChoiceCreditScore can alert you to potential issues, such as inaccuracies or signs of identity theft. Knowing the issues right away allows you to address them promptly. With a little help, you can confidently build up your score.

Let’s go over why ChoiceCreditScore is the way to go!

1. Your credit score at your fingertips

Enjoy the privileges of unlimited access to your credit score and take control of your financial future. Having your score at your fingertips means you can promptly address any discrepancies and take steps to improve your credit. You will be able to see how negative marks like late payments or spending too much of your available credit hurt your score. Then correct the issue and see your score go up.

As it goes up, you can lower your mortgage payments or get a less expensive car loan. You’ll be able to obtain better credit cards and find more favorable rates on insurance premiums. These money-saving measures can significantly impact your financial well-being, providing more opportunities for economic growth and stability.

A good credit score is not just a number; it’s a key to unlocking better financial deals and savings. According to a study from LendingTree, borrowers in the “fair” credit range (scores between 580 and 669) could end up paying over twice as much interest on personal, auto, and student loans compared to those with higher scores. Additionally, they could pay 97% more on their credit cards. This stark difference highlights the importance of maintaining a healthy credit score.

By monitoring your score proactively, you can reap the benefits of lower interest rates and better financial products. Your credit score will work for you, not against you.

Negative marks dragging you down?

It's time to build credit!

2. Try, trust, and take control: 7-day trial offer

Take the first step towards mastering your financial health with ChoiceCreditScore’s 7-day trial offer. For just $9.95, you can immerse yourself in the world of credit monitoring. Gain instant access to a detailed snapshot of your credit score’s story. This trial provides you with an accurate picture of your financial standing. It allows you to understand the factors influencing your score and identify areas for improvement.

During the 7-day trial, you’ll experience the benefits of continuous credit monitoring. Perks include real-time updates and alerts about any changes to your credit profile. These insights empower you to take proactive steps in managing your credit and help you stay in control of your financial future. Whether you’re aiming to qualify for lower interest rates, better credit cards, or favorable insurance premiums, understanding your credit score is the first step.

3. Save money with continuous monitoring

After experiencing the benefits of the 7-day trial, you can seamlessly transition to a monthly membership for just $39.94. This membership offers continuous updates and monitoring, ensuring you remain in control of your credit journey. By staying informed about your credit status, you can make proactive decisions that positively impact your financial future.

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Turn easy tasks into real rewards –
worth up to $499/year!

Continuous credit monitoring is more than just a service; it’s a powerful tool for financial improvement. Studies have shown that consumers who regularly monitor their credit data see substantial improvements in their credit scores. Across all score ranges, except the already high 750-850 range, there was an average improvement of 30% within six months and 39% within twelve months. For those in the 300-649 score range, the improvements were even more dramatic. Users had a 32% increase in six months and a 41% increase over twelve months.

These improvements translate to significant financial savings. Better credit scores can lead to lower interest rates on loans and credit cards as well as reduced insurance premiums. By investing in continuous monitoring, you equip yourself with the insights needed to make informed financial decisions. You can see what impacts your score over a few months and change your financial habits accordingly.

A higher score will enable you to save money and achieve a healthier financial standing. With a monthly membership, you ensure that your credit score is always working to your advantage.

4. Triple the protection with ChoiceCreditScore

Protecting your financial identity is paramount, and ChoiceCreditScore offers robust, triple-layered protection against credit and identity theft. With ChoiceCreditScore, you can rest assured that your personal information is monitored comprehensively. This service diligently watches over your bank accounts, credit cards, social security number, and other sensitive data. They will safeguard your personal information from potential threats.

ChoiceCreditScore goes beyond simple monitoring by offering a remarkable safety net. In the unfortunate event that your identity is compromised, they provide up to $1,000,000 in coverage to help restore your identity and cover related expenses. This substantial financial backing ensures that you are not left to deal with the repercussions of identity theft alone.

“52 million Americans had fraudulent charges on their credit or debit cards last year, with unauthorized purchases exceeding $5 billion.” security.or g

The comprehensive protection offered by ChoiceCreditScore means that your credit health is always in safe hands. Continuous monitoring alerts you to any suspicious activity, enabling you to take immediate action. This proactive approach helps mitigate risks before they escalate, providing peace of mind in an increasingly digital world.

By choosing ChoiceCreditScore, you invest in a service that prioritizes your security and financial well-being. Their triple protection strategy ensures that you have a robust defense against the ever-evolving threats of identity theft. Keeping your credit and personal information secure at all times is essential in this digital age.

5. Accessibility for everyone with ChoiceCreditScore.com

ChoiceCreditScore.com is committed to making credit monitoring accessible to everyone, regardless of language or hearing abilities. They offer bilingual support in English and Spanish to cater to a diverse user base. ChoiceCreditScore ensures that you receive the assistance you need in a language you are comfortable with. This bilingual service allows more people to effectively manage their credit and make informed financial decisions.

In addition to language support, ChoiceCreditScore provides services tailored for individuals with hearing impairments. They offer multiple communication options, including text-based customer service and detailed written guides. Their goal is to ensure that users with hearing difficulties can access all the necessary information without barriers. By incorporating these inclusive practices, ChoiceCreditScore demonstrates a strong commitment to accessibility and user satisfaction.

These efforts make ChoiceCreditScore a truly inclusive platform dedicated to empowering all individuals to take control of their credit health. With accessible features and dedicated support, everyone can confidently navigate their financial journey and achieve their credit goals.

Use credit to build credit!

Check out how to fix a bad credit score!

6. Credit reports: Your path to better credit

Obtaining your credit report from ChoiceCreditScore is a crucial step toward achieving better credit health. Your credit report provides a detailed snapshot of your financial history. It outlines your accounts, their status, how much of your available credit you spend, your payment history, and how long you’ve held accounts. Lenders view your credit report to evaluate your creditworthiness. Checking your report from each of the three major credit bureaus – Experian, Equifax, and TransUnion – is very important. It allows you to see past mistakes and any errors that might be dragging your score down.

Credit report errors are surprisingly common and can have significant consequences. More than a third of consumers who participated in a voluntary credit report check discovered errors in their reports. These mistakes can range from incorrect personal information to inaccuracies in account statuses. Such errors are more than just a nuisance; they can drag your score down. A lower score means higher interest rates, less favorable loan terms, or even being turned down for jobs or housing opportunities.

By regularly reviewing your credit report, you can stay on top of your credit score and ensure that it accurately reflects your financial behavior. If you find any discrepancies, ChoiceCreditScore provides the tools and guidance to dispute these errors effectively. Correcting inaccuracies can lead to a healthier credit score, which opens the door to better financial opportunities.

Frequently asked questions

1. Why does checking your credit score lower it?

Checking your credit score yourself does not lower it. When you check your score, it’s considered a soft inquiry and does not have an impact. Your score only drops when a lender performs a hard inquiry as part of a loan or credit application. This is because it signals you’re seeking new credit, which may increase your risk as a borrower.

2. What credit score do you need for a Choice credit card?

ChoiceCreditScore does not provide credit cards. It is a service that monitors your credit score.

3. How many points does a soft inquiry affect your credit score?

A soft inquiry does not affect your credit score at all. A soft pull occurs when you check your own credit or when companies prequalify you for offers. Unlike hard inquiries, soft pulls are not visible to lenders reviewing your credit report for lending decisions.

4. Is the ChoiceCreditScore real?

ChoiceCreditScore is a legitimate credit monitoring service. It has an A- rating by the Better Business Bureau.

Bottom line

With ChoiceCreditScore, you gain the power to effectively manage your credit, stay informed, and achieve your financial goals. This comprehensive tool offers everything you need to take control of your credit health. From real-time monitoring, identity theft protection, and insightful comparisons to national averages, ChoiceCreditScore equips you with the necessary knowledge and resources.

The user-friendly platform simplifies the process. It makes it easy for you to track your credit, identify areas for improvement, and take corrective actions when needed. This proactive approach not only helps you maintain a healthy score but also opens up opportunities for financial savings and better credit products. With continuous updates and expert guidance, you can navigate the complexities of credit management with confidence.

ChoiceCreditScore is more than just a credit monitoring tool; it’s a comprehensive solution designed to empower you in your financial endeavors. Step into the world of responsible credit management with ease and confidence, knowing that ChoiceCreditScore is there to support you every step of the way.

1. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.

2. Paycheck Advance is an earned wage access service and is not a loan or credit product.

3. Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and/or Cross River Bank, Member FDIC. The Current Visa® Debit Card, which may be issued by Choice Financial Group and/or Cross River Bank, and the Current Visa® secured charge card, which is issued by Cross River Bank, are all issued pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. A Current debit account is required to apply for the Current Visa® secured charge card. Independent approval required.

4. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.

5. Debit card: Fees may apply, including out of network cash withdrawal fees, third-party fees, cash load fees, inactivity fees, account closure fees, international transaction fees, replacement card fees, express mail fees and escheatment fees. Build Card: Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.

6. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Current Visa® secured charge card is issued by Cross River Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.

7. Individual results may vary. Using your credit card responsibly may allow you to improve your credit score. Credit building depends on various factors, including your payment history, credit utilization, length of credit history, and other financial activities.

8. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.

9. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Funds held in Savings Pods are FDIC-insured on a pass-through basis up to $250,000 at our partner bank Choice Financial Group, member FDIC.

10. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank.

11. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.

12. Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive $500 or more in Eligible Direct Deposits into your Current Account over the preceding 35-day period and fulfill other requirements subject to Current’s discretion. Negative balances must be repaid within 60 days of the first Eligible Transaction that caused the negative balance. For more information, please refer to Fee-free Overdraft Terms and Conditions. Individual Current Accounts only.

13. For eligible customers only. You may earn Points in connection with your Build Card purchases at retailers whose merchant code is classified as: Dining (e.g., restaurants) and Groceries (e.g., supermarkets) and by completing other actions that Current designates as subject to the Current Points Program. The amount of Points granted for different actions as well as the purchase requirements necessary to earn Points will vary, and is subject to Current’s sole discretion. After qualifying, please allow 3-5 business days for points to post to your Current account. Points will expire 365 days after they settle. For more information (including specific eligibility criteria), please refer to the Current Points Terms and Condition.

14. Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.

15. Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. No minimum balance required. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. To earn a Boost rate of 4.00%, the sum of your Eligible Payroll Deposits over a rolling 35-day period must be $500 or more, with at least one Eligible Payroll Deposit equalling a minimum of $200. For more information, please refer to Current Boost Terms and Conditions.

16. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Your money is FDIC-insured on a pass-through basis up to $250,000 at each of our partner banks, Choice Financial Group and Cross River Bank, members FDIC.

17. Average value based on Fine Hotels + Resorts bookings in 2023 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available, $100 amenity, guaranteed 4PM late checkout, and noon check-in when available. Certain room categories not eligible for upgrade. $100 amenity varies by property. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.

18. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

19. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

20. Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one- way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

21. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

22. Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

23. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

24. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

25. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

26. The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.

27. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

28. The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.

29. There’s no fee for the Chime Savings Account. Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account.

30. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

31. Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.

32. Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.

33. On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

34. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

35. SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your Visa debit card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.

36. Tipping or not tipping has no impact on your eligibility for SpotMe®.

37. Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

38. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.

39. Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.

40. Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.

41. Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.

42. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed. Non-Chime members must use a valid debit card to claim funds.

* EarnIn is not available for Connecticut residents

Rachel Alulis

Rachel Alulis has been the lead editor for Moneyfor’s credit cards team since 2015 and for the financial rewards team since 2023. Before joining Moneyfor, Rachel worked at USA Today and the Des Moines Register. She then established a successful freelance writing and editing business specializing in personal finance. Rachel holds a bachelor’s degree in journalism and an MBA.