LaToya Irby

LaToya Irby is a credit and credit card expert. She has over 12 years of experience in financial reporting as a writer and ghostwriter for dozens of personal finance outlets, and has been quoted as an expert in publications including USA Today, U.S. News and World Report, and The Chicago Tribune

LaToya has been the Credit Expert for The Balance (and prior to that, About.com) since 2007. She covers everything consumers need to know about credit and debt, from managing credit cards to repairing your credit and getting out of debt. 

Experience

In addition to her work for The Balance, LaToya's writing has appeared in publications including AllFreelanceWriting.com, Invibed.com, HealPay.com, and FinanceGlobe.com. She's been quoted for her credit and debt expertise in several major publications: USA Today, U.S. News and World Report, Yahoo! Finance, Black EnterpriseLos Angeles TimesChicago Tribune, and the Associated Press. She has also had her work cited in The Debtors Resistance Operation Manual by Strike Debt, Debt Free for Life by David Bach, and Criminal Law & Procedure for the Paralegal (Fourth Edition).

LaToya has appeared as a guest expert on radio shows across the country, and has hosted local financial seminars. She has also worked as a collection specialist in the financial services industry, giving her insider knowledge on debt collection laws and practices, as well as insight into consumer challenges in dealing with debt.

Education

​LaToya holds a business degree from The University of Alabama.

About The Balance and Dotdash

The Balance makes personal finance easy to understand. It is home to experts who provide clear, practical advice on managing your money. Whether you’re looking to invest, buy a home, save for retirement, or achieve another financial goal, The Balance will answer your questions with straightforward personal financial advice.

The Balance is part of the publishing family. For more than 20 years, Dotdash brands have been helping people find answers, solve problems, and get inspired. We are one of the top-20 largest content publishers on the internet, according to comScore, and reach more than 30% of the U.S. population every month. Most recently, Dotdash was named Publisher of the year by Digiday, a leading industry publication.