Amanda Barroso is a personal finance writer who joined NerdWallet in 2021, covering credit scoring. She has also written data studies and contributed to NerdWallet's "Smart Money" podcast. Before joining the team, Amanda spent more than a decade covering issues facing many Americans, which includes her work as a writer at the Pew Research Center, a policy analyst at the National Women's Law Center and a college professor. Amanda earned a doctorate from The Ohio State University.
- Education: Ph.D. in women's, gender and sexuality studies from The Ohio State University, M.A. in journalism from University of Southern California, B.A. in English from Presbyterian College
- Awards: Mellon/ACLS Public Fellow (2017-2019)
- Previous experience: Writer at Pew Research Center, Policy Analyst at National Women's Law Center
Amanda has also nerded out in...
The Associated Press, The Washington Post, Yahoo Finance
The latest from Amanda
What Is Credit and Why Do You Need It?
Credit is defined as the ability to borrow money to pay back later. A good credit history gives you more options.
What Is a Credit Limit? Credit Limit vs. Available Credit
Credit limit is the total amount you can charge, while available credit is the unused amount within your limit.
What Is a FICO Score?
FICO scores are one brand of credit score. Your FICO score is based on the data in your credit reports.
SeedFi Credit-Builder Loan Review 2023
SeedFi's Credit Builder Prime has no fees and lets borrowers pick a payment level.
How to Protect Your Finances and Credit in Tough Times
Set yourself up to ride out setbacks by proactively managing your cash flow, credit and bills.
7 Tips for Getting an Apartment Without a Credit Check
Try offering references, getting a roommate, paying a larger deposit or working with an individual landlord.
5 Tips for Lowering Your Credit Utilization
You can track spending, seek higher limits and set up balance alerts. The key: Use a small portion of your credit.
How to Get Your Free Credit Reports From the Major Credit Bureaus
Use AnnualCreditReport.com to request your credit reports — you have free weekly access through the end of 2023.
How to Cancel Subscriptions on iPhone, iPad and Mac
Manage, cancel or reactivate subscriptions on your Apple devices using a few simple steps.
UltraFICO vs. Experian Boost: Tools to Jump-Start Your Credit
Experian Boost and UltraFICO reward good financial habits that can go unrecognized in credit scoring models.
What Is a Thin Credit File?
Having fewer than four accounts on your credit reports means you have a thin file, which can affect your score.
What Is the Average Credit Score?
The average U.S. credit score is 716 for the FICO 8 score and 695 for the VantageScore 3.0.
How Often Should You Check Your Credit Reports?
Check your credit reports frequently to track your credit health and catch signs of trouble early.
Does Closing a Credit Card Hurt Your Credit Score?
Closing a credit card might hurt your credit score, especially if it’s an older card with a high credit limit.