The 7 Financial Choices You’ll Regret 5 Years From Now
June 30, 2025
Nikkita Walker
Nikita Walker (she/her) is the content manager for Credit.com and an editor with a passion for financial justice. She's been a professional writer and editor for more than fifteen years, working to make all the content she touches accurate and accessible. She most enjoys creating easy-to-understand financial guides for people just starting their financial journeys and connecting with other experts to expand her own knowledge. When she's not editing, she's reading, checking on her little free diverse library, or working with her local mutual aid organization.
Specializes in
Credit Tools
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Budgeting & Saving
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Credit 101
Insurance
Taxes
A Guide to Budgeting for Insurance
Insurance can be a huge drain on your wallet. Find out how to budget for insurance without giving up your lifestyle.
Credit Reports
Who Are the Major Credit Reporting Agencies?
Learn more about the three major credit reporting agencies. Find out what types of information these agencies collect and how this data affects your credit.
Credit Repair
Lexington Law Firm Credit Repair Review [2025]
Curious about Lexington Law Firm's credit repair services? Read our review to find out if they're worth it.
Average Cost of Car Insurance in 2025: What to Expect and How to Save
As of April 2025, the average cost of car insurance in the U.S. is around $2,685 per year. Read on to learn more.
Personal Finance
10 Strategies for Lowering Your Car Insurance
Learn practical strategies to try and lower your car insurance premium, whether you're a new driver or a seasoned commuter.
Credit Reports
How to Remove Collection Accounts from Your Credit Reports
Collections can be a huge drag on your credit score. Find out how you can get collections removed from your credit reports.
Credit Repair
CreditRepair.com Credit Repair Services Review [2025]
CreditRepair.com is a cost-effective option for professional credit repair services. They offer a great online portal for tracking your credit repair progress.
Credit Reports
6 Smart Ways to Build Credit (And 5 Dumb Mistakes to Avoid)
Building credit smartly doesn’t require more than an understanding of how credit works and using consistent strategies.
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Experian Credit Score vs. FICO Score: What’s the Difference and Why It Matters
You may see a different credit score on Experian or FICO, depending on what credit scoring model is being used to calculate your score in each location.
