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, delving into the world of credit scores and reports.

Posts by Sienna Kossman

Fine print, Living with credit

Credit mistakes to avoid post-graduation

Graduation season is typically filled with last-minute celebrations with friends, job applications and final, final exams. In fact, if you’re a soon-to-be college or high school graduate, building credit may be one of the last things on your mind. But…
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Fine print, Living with credit, Rewards

5 teaching tips on opening a credit card

A few weeks back, my boyfriend Steven came in from getting the mail and was ecstatic about a pre-approved card offer he received. The card offer boasted a year-long, 0 percent introductory rate and would be perfect for financing his…
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Fine print, Living with credit, Research, regulation, industry reports, Shopping

Young millennial renters: Start mortgage-prepping now!

As temperatures rise and flowers bloom, many young consumers will be shopping for their first home. Last fall, the majority of prospective homebuyers (53 percent) said they hoped to buy a home in seven months or more, indicating spring and…
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Living with credit, Rewards

4 Cyber Monday credit card shopping tips

It’s time to make a list, check it twice, and fill your online shopping carts on Cyber Monday. In fact, Cyber Monday 2016 is expected to be the largest online shopping day of all time, according to Adobe’s 2016 Digital Insights…
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Living with credit

College students don’t graduate with credit knowledge

Soon-to-be college graduates are eager to get their diplomas, start a job and begin their post-grad life, but many don’t feel equipped with enough financial and credit knowledge to do so — and some think colleges and universities are to…
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