Kimberly Rotter

Kimberly Rotter

Kimberly Rotter is a writer, businesswoman and mother in San Diego, CA. She holds a Bachelor’s degree in English, a Master’s degree in Business Administration, and a Graduate Certificate in Distance Education. Kim and her husband own two homes, a couple of vehicles and a few investments, and they live with minimal debt. Both are successfully self-employed, each in their own field. Learn more at

Recent posts by Kimberly Rotter

Know Your Rights: How to Dispute a Credit Card Charge

Not all credit card charges are set in stone. Whether a charge is the result of fraud, bad business or human error, in many cases it’s not only possible to have the charge removed, the process can actually be quite easy. In fact, the initial action is often in favor of the consumer – the

Can You Really Make a Profit off Your Credit Cards?

Some people claim that with careful use and good strategy, an average consumer can earn a consistent profit by using credit cards for their reward programs. What is manufactured spending? Manufactured spending is a term that refers to the practice of using credit cards without actually incurring new charges. For example, using a credit card

How to Get Your Free Annual Credit Report

All U.S. consumers are entitled to receive a free copy of their credit report once every twelve months from each of the three major credit reporting agencies. The three major agencies are Equifax, Experian and TransUnion. How to Get Your Free Credit Report Don’t visit the agencies’ websites individually. Go to Be sure to

The 5 Dumbest Things People Do with Credit and Debit Cards

Would you leave a stack of hundred dollar bills on a park bench while you run off to find a restroom, expecting the money to be there waiting for you on your return? That scenario may sound preposterous but people do equally careless and foolish things with their debit and credit cards. There is simply

The 8 Worst Things You Can Do to Your Credit Score

Your credit score doesn’t have anything to do with how much you earn or your bank account balance. Rather, it is a number that reflects your relationship with, and your use of, credit products. The credit scores most creditors rely on are the FICO score and the VantageScore. The two scoring models rely on similar

Free Credit Reports vs. Free Credit Scores – What’s the Difference?

Credit makes the financial world go ’round. Doors open to consumers with great credit scores, and the cost of living is high for people on the low side. Smart consumers want to find out their scores and see what’s on their credit report but are right to be wary of the many “free” offers coming

11 Reasons Your Credit Card Might Be Declined

Have you ever stood at the cash register and tried to make a purchase, only to have the clerk hand you your card back and explain apologetically that the transaction was declined? It happens. Despite the embarrassment and inconvenience, the rejection is really meant to protect your account, and to protect the card issuer from