We Are Crediful

Your guide to everything personal finance.

Since 2007, Crediful (formerly AAACreditGuide) has been the authority site for all things personal finance. We love to help people with their decisions when it comes to improving credit, debt settlement, mortgage, auto, personal, student loans, credit cards, investments, and more.

About us

Who We Are

We are consumers just like you. That’s why we want to provide quality information and advice about dealing with loans, saving, credit cards, credit reports, and everything else in the world of personal finance. We have families that we love and want the best for – just like you.

We won’t recommend any service or website that we don’t already know. In fact, we’ve used many of them ourselves! And those we don’t have personal experience with have undergone thorough research and analysis to make sure we’re making the most helpful recommendations to our readers.

We will help you without the hidden games, misleading pop-ups, or “come-ons” that other websites offer Just simple, straightforward help solving the problems around credit and personal finance. We believe that just about anyone can start taking control of their finances to achieve their biggest priorities in life.

Another perk? We update our information constantly, so you don’t have to worry about out-of-date content slowing down your decision process. See something that fell through the cracks and needs updating? Let us know!

Quality content is our number one priority. We truly value the community we’ve built here and through our social media channels and appreciate any and all comments.

We're also proud to have been included in national media outlets such as Market Watch, NBC, CBS, Fox News, CNBC, Yahoo Finance, The Chicago Tribune, The Denver Post, and many more. Crediful’s commitment to independent recommendations and advice helps individuals across the United States each and every day.

Our Core Values


We’re rooted in the philosophy that strong personal financial skills begin with a healthy credit report. Bad credit can be fixed – and we're committed to helping you do so. In fact, we started off primarily as a site that helped people improve their credit.


With awareness comes knowledge, information. Personal finance can be incredibly over-whelming with the vast amount of technical terms alongside the complex number game. The thing is, it doesn't have to be hard. We are here to help you digest various topics in a way that you can understand. As the old saying goes, you can’t know where you’re going if you don’t know where you’ve already been.

Getting ahead

Each and every day we will be watching, reporting, supporting, and providing the most beneficial resources for ordinary, everyday consumers like you to use. Our resources are jam-packed with helpful tips you can actually start implementing today.

Financial Freedom

We offer objective advice on financial matters so you can make smart, informed decisions and reach your most important goals in life. Best of all, the content on this site has been, and always will be, 100% free.

Making Finance Easier

Meet the Team

Crediful consists of a passionate team focused on helping friends and family alike achieve financial freedom.

Allison Martin

Senior Writer

Allison Martin is a syndicated financial writer, author, and Certified Financial Education Instructor (CFEI)

Angela Pearse

Finance Writer

Angela is a blogger for Zumper who frequently combines travel with freelance writing

Anna Baluch

Finance Editor

Anna Baluch is a freelance personal finance writer from Cleveland, OH

Anne Bouleanu

Finance Writer

Anne Bouleanu is a freelance journalist based in Chicago

Ariana Arghandewal is a travel hacker and travel rewards expert who earns over 1.5 million miles every year

Bob Haegele

Finance Writer

Bob Haegele is a freelance writer and personal finance blogger at The Frugal Fellow

Catherine Alford

Finance Writer

Catherine Alford is the go-to personal finance expert for educated, aspirational moms who want to recapture their life passions, earn more, reach their goals, and take on a more active financial role in their families

Catherine Schwartz

Finance Editor

Catherine is a personal finance writer covering investing, credit, debt and banking topics to help people achieve financial freedom

Colin Palfrey

Chief Marketing Officer

Colin is a digital marketing whiz with a long history in digital marketing, PR, analytics, and sales

Dawn Allcot

Finance Editor

Dawn Allot is a full-time freelance writer and content marketing expert specializing in personal finance, real estate, and technology

Hiba Boutary

Finance Editor

Hiba Boutary is a freelance writer based in Brooklyn, NY

Holly Johnson

Finance Editor

Holly Johnson is a credit card expert, award-winning writer, and mother of two who is obsessed with frugality, budgeting, and travel

Jamie Cattanach

Finance Editor

Jamie Cattanach is a freelance writer whose work has been featured at Fodor's, Yahoo, SELF, The Motley Fool, Roads & Kingdoms, and other outlets.

Jamie Johnson

Senior Writer

Jamie Johnson is a freelance writer who has been featured in publications like InvestorPlace and GOBankingRates

Kiara Taylor

Finance Editor

Kiara Taylor is a financial writer and Research Analyst

Laura Harris

Finance Editor

Laura Harris is a writer, financial coach, and author of "The Stay-at-Home Mom Blueprint." Her passion for equipping families with financial tools and knowledge stems from her own debt-free journey with her husband in 2012

Lauren Ward

Finance Editor

Lauren is a personal finance writer who strives to equip readers with the knowledge to achieve their financial objectives

Lauren Wellbank

Finance Writer

Lauren Wellbank is a writer and former mortgage professional from the suburbs of Philadelphia

Miranda Marquit

Finance Editor

Miranda has been covering personal finance topics for more than 10 years as a freelance writer and journalist

Paige Cerulli

Finance Editor

Paige Cerulli is a freelance writer whose work has appeared in publications like Business Insider and Bing

Samantha Hawrylack

Finance Writer

Samantha Hawrylack is a personal finance expert with a passion for writing and SEO who has been featured in publications like Grow, MSN, CNBC, Clever Girl Finance, Credit Donkey, and more

Sarah Sharkey

Finance Writer

Sarah Sharkey is a personal finance writer who enjoys helping people make better financial decisions

Stephanie Faris

Finance Editor

Stephanie Faris is a professional finance writer with more than a decade of experience

Steven Brennan

Finance Writer

Steven Brennan is a freelance writer specializing in finance and cryptocurrency

Stay connected

Get daily finance tips, tricks, and insight straight to your social feed. We promise to keep it meaningful.

You're invited.

Join the Crediful Facebook Group and gain insider knowledge on taking control of your finances. We explore a wide range of topics including:

  • Financial Independence

    Get your questions answered. Join in on hot topics and discussion revolving around our core philosophy: achieving financial freedom.

  • Investing

    Gain exclusive tips, tricks, and market insight on investing and wealth management.

  • Travel Hacks

    Learn insider tricks on taking advantage of point redemption to travel for free.

Crediful on Facebook