CreditCards.com

Sienna Kossman

My first interactions with credit cards occurred while working as a retail sales associate, pitching time-sensitive card perks to every customer who came through the checkout line. At the time, my 16-year-old self viewed credit only as an elusive gateway to overspending. Today, after many years of working odd jobs and completing a college degree, I hold a few lines of credit and understand that as long as you are proactive about maintaining financial literacy, credit can be a very beneficial tool, especially at a young age.

Prior to my graduation from the University of Wisconsin-Oshkosh, I spent a summer writing consumer-friendly health and money articles for U.S. News & World Report. I’ve since developed a desire to continue learning how to better manage my personal finances and help others do the same. Today I am a staff reporter for CreditCards.com, delving into the world of credit scores and reports.

Posts by Sienna Kossman

Living with credit, Protecting yourself

3 advantages of a 90-day fraud alert

Last week I came home to a notice from the police department stuck on my apartment door about reported mail theft in my immediate area. The notice explained that two incident reports have been filed and outlined several steps individuals can take to protect themselves if they think sensitive information might be compromised. One of the suggestions was to place a fraud alert on your credit. If you have never used a 90-day fraud alert to protect your credit in the event of actual or potential fraud, I suggest doing so for these reasons:
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Living with credit, Research, regulation, industry reports

3 reasons why we hate to talk about money

Since money plays such a big role in everyone’s lives, rich or poor, it seems we should have no problem talking about it. After all, public discussions about gay marriage and legalizing marijuana are fairly commonplace and money isn’t nearly as controversial as those topics, right? Wrong. According to a survey conducted by Wells Fargo, 44 percent of Americans feel that personal finance is the most difficult topic to discuss, trumping death, politics and religion.
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Living with credit, Research, regulation, industry reports

It’s not you, it’s your credit score

Maybe that first date outfit isn’t so important after all. It’s that three-digit credit score number that has fast become more important than your bright smile and charming personality for landing a second date with your love interest.
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Living with credit, Research, regulation, industry reports

Many women still lack financial confidence

Women have gained a lot of financial freedom over the last century. Thanks to the Equal Credit Opportunity Act passed by Congress 40 years ago, we can now hold our own credit cards, manage investment accounts and demand equal pay for equal work. In short, women have the power to be completely financially independent, if we so choose.
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Fine print, Living with credit, Protecting yourself

4 things I wish I learned about credit sooner

As a recent college graduate who has entered the workforce armed with both credit and debt, I’m learning a lot about credit that really would’ve been useful a few years ago. Had I known what I know now, I could have saved myself some worry and eased into the credit world a little more smoothly.
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