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
Credit report card
Free credit score and credit report snapshot
Calculators
Tools to help you take control of your financial goals
Free credit repair assessment
Ensure you have an accurate credit report
Budgeting & Saving
Credit Building
Credit Repair
Credit Cards
Managing Debt
Credit 101
Insurance
Taxes
Managing Debt
Does Debt Consolidation Hurt Your Credit?
Learn whether debt consolidation can hurt your credit. Explore methods, impacts, and strategies to minimize the risks of debt consolidation.
Credit Repair
How to Get a Repo Off Your Credit: 7 Effective Removal Tips
Dispute errors or negotiate with the lender to remove or update a repossession on your credit report.
Building Credit
How to Maintain and Improve Your Credit Score Before and After Retirement
When you retire, you want to have as much financial freedom as possible. Unfortunately, bad credit can get in the way if you’re not careful.
mortgages
How to Get Your Credit Ready for a Mortgage: 5 Tips to Help You Prepare
Prepping your credit score before applying for a mortgage is crucial because a higher score can help secure better loan terms
Credit Cards
Can You Pay a Credit Card With Another Credit Card?
Yes, it is possible to pay off a credit card with another credit card, but it’s not as straightforward as simply transferring funds from one card to another.
Credit 101
How Long Does a Credit Dispute Actually Take?
In most cases, credit bureaus have 30 days after receiving your dispute to investigate it. However, if you've already received your yearly free credit report, this period expands to 45 days.
Personal Finance
Venmo transaction fees: What are they and how to reduce them?
When you send money to friends and family on Venmo, do you pay anything extra? Find out what you need to know about Venmo fees.
Personal Loans
Personal Loan vs. Credit Card: Which Should You Choose?
The key difference between a personal loan vs. credit card is that personal loans offer a lump sum of money, while credit cards provide revolving credit.
Identity Theft and Scams
What is credit card fraud?: 5 common types you should know
Credit card fraud occurs when an unauthorized user makes purchases with your credit card or uses your information to open new accounts. Learn more here.
Loans
Can a Cosigner Take You to Court? 4 Potential Scenarios + Alternatives
Can a cosigner take you to court? Read on to learn why this may occur, the potential consequences, and alternatives to legal action.
