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

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

Loving Your Credit Card Beyond the Sign-Up Bonus

A credit card sign-up bonus can be a win-win situation for everyone involved. Or it can be a lure that traps the consumer in an expensive card. In days gone by, the offer was “two free round-trip tickets to anywhere we fly.” Now they might call it “50,000 free miles.” Either way, many credit card

American Express and Discover Tie for First in Credit Card Satisfaction Ratings

J.D. Power just released it’s annual U.S. Credit Card Satisfaction Study and American Express and Discover are at the top of the list. American Express and Discover tie for first American Express and Discover tied for first place in consumer satisfaction ratings, with Chase a close third. Barclaycard, U.S. Bank, Wells Fargo, Bank of America, Capital