ann schreiber

Ann Schreiber

Personal Finance Writer

Years of experience

25+ Years

Previous experience

Financial Editor at Major Publication

Education

B.A. in English, University of Minnesota

M.A. in Business Communication, The University of St. Thomas

My approach to personal finance writing is rooted in my passion for financial literacy. I want to give readers information they can understand and actually use when making financial decisions. Money and credit can be complicated, but learning how they work shouldn’t have to be.

Editorial Process

Research

Using primary sources — government data, lender disclosures and peer-reviewed studies

Write

Clear plain language focused on helping consumers understand their options

Fact Check

Every article reviewed and verified by our team before publishing

The author researches and develops content using reputable sources, which may include government data, regulatory guidance and consumer finance research.

Latest Articles

What Happens If You Stop Paying Your Credit Cards?

See what happens if you stop paying credit cards, from missed payments and credit reporting to charge-offs, collections, and legal action.
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Ann Schreiber

How to Build Your Credit with No Credit History

Learn how to build credit with no credit history using secured cards, credit builder loans, authorized user accounts, and other approaches.
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Ann Schreiber

Cash Advance vs. Payday Loan: How They Work and What They Cost

Compare a cash advance vs. payday loan, including how each works, common costs, repayment terms, and important differences.
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Ann Schreiber

Credit Builder Loan vs. Secured Credit Card: Which Is Right for You?

Learn how to build credit with no credit history using secured cards, credit builder loans, authorized user accounts, and other approaches.
Picture of Ann Schreiber
Ann Schreiber
Man holding a credit card worried about what happens if you stop paying your credit cards

What Happens If You Stop Paying Your Credit Cards?

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Couple reviewing documents to build credit with no credit history

How to Build Your Credit with No Credit History

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Couple comparing cash advance vs payday loan costs and how they work

Cash Advance vs. Payday Loan: How They Work and What They Cost

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Man comparing credit builder loan vs secured credit card options

Credit Builder Loan vs. Secured Credit Card: Which Is Right for You?

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