Kristy Welsh

So how is geeky Kristy Welsh (former rocket scientist and current software guru) also a credit expert? After being laid off from her career in Aerospace engineering, Welsh served a short stint as a mortgage professional in the early 90s. It was there she first learned how to fix people’s credit in order to get her loans funded. When the Internet, recession and bankruptcy came knocking on her door all at about the same time, she learned web programming, database design and a lot more about credit and debt. As a hobby, and to fill a need in the credit knowledge deficit of the average person, Welsh founded in 1997.

From daily research and correspondence with the credit and debt challenged, Welsh turned the original 9-page site into a personal finance information powerhouse. In 2001, Welsh published Good Credit is Sexy, a tongue in cheek guide to restoring credit. The book is now in its 4th edition. In November 2013, Welsh retired from and was subsequently approached by to continue her conversation with the American public regarding all things credit and debt.

Posts by Kristy Welsh
credit repair These days, buying a car is a big deal, especially if you’re buying a new car, since prices for new American cars average $33,560. Read More...
credit repair As a result of litigation encountered by the three bureaus, Experian, Equifax, and Transunion have all announced they will be removing tax liens and civil judgments from credit reports where incomplete information exists, according to the Consumer Data Industry, a trade group that represents them. Read More...
Credit Repair These days, it’s impossible to get credit, a car loan, a mortgage, or a personal loan without a credit score. Read More...
Credit Repair If you are having some credit problems, it may be time to assess where you stand with your credit management style. Read More...
No one likes divorce, but it’s very common in the U.S: according to the U.S. Read More...
car shopping affect on credit So it’s time for a new car. Read More...

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Posted in Loans

shutterstock_322712354Situation 1: Ever been in a department store ready to check out and the cashier asks you if you want to open a credit card account and get 10% or even 20% off of your purchase? Read More...
shutterstock_96875515 Credit card utilization, the ratio of what you owe on your credit cards to your credit limit, plays a major role in the calculation of your credit rating. Read More...
shutterstock_8040598 While your bank accounts and your credit rating are not necessarily linked, they can influence each other. Read More...