Low credit utilization, early start can help young adults score off the charts.
About the author
“If you’re a credit card user and you want to avoid getting into debt, it’s critical to create a budget and stick to it. Avoid spending more with your card than you can pay off each month. Better yet, pay your balance down to zero each week if your budget allows it.” – Brady Porche
Credit scores and reports, credit card industry trends, consumer habits, debt management
Bachelor of Arts degree in mass communication from Louisiana State University in Baton Rouge
- Two decades of professional writing and editing experience, including five years in personal finance
- Works with personal finance experts to provide helpful advice to consumers
- Has covered major financial news stories, including consumer debt trends, Fed rate moves, large-scale data breaches, personal finance in the pandemic and more
Brady Porche is a managing editor for CreditCards.com and Bankrate Credit Cards. He has nearly two decades of professional experience as a writer and editor.
Since joining CreditCards.com in 2016, Brady’s writing has provided consumers with helpful information on many aspects of personal finance. He specializes in credit scores and credit reports, and has extensively covered topics such as rewards, debt management, data security, consumer law, monetary policy and more.
Brady also works with noted personal finance experts to deliver weekly insights into key topics such as business credit, credit scores, using rewards to fund travel and credit card industry trends.
As a personal finance writer and editor, Brady’s goal is to break down complex credit card topics in a way that helps consumers make the best decisions for their finances – whether it’s choosing the best cards for their spending needs, getting out of debt, starting a business or planning a dream vacation with points and miles.
- Goodwill letters: A note can get a credit blemish wiped away, CreditCards.com, June 2018
- How did that get on my credit report?, CreditCards.com, February 2018
- Financial infidelity poll: 31% say hiding accounts worse than cheating, January 2018
- “U.S. Credit Card Debt Closed at an All-Time High Last Year,” interviewed by Samantha Rosen of The Points Guy, March 2019
- Wintrust Business Lunch, interview with John Williams of WGN Radio, January 2018