Bev O'Shea is a former NerdWallet authority on consumer credit, scams and identity theft. She holds a bachelor's degree in journalism from Auburn University and a master's in education from Georgia State University. Before coming to NerdWallet, she worked for daily newspapers, MSN Money and Credit.com. Her work has appeared in The New York Times, The Washington Post, the Los Angeles Times, MarketWatch, USA Today, MSN Money and elsewhere. Twitter: @BeverlyOShea.
The latest from Bev
How Trans and Nonbinary People Can Change Names on Credit Reports
The bureaus have added instructions for how to get a legally changed first or middle name to appear on a credit report.
Could a Buy Now, Pay Later Loan Affect My Credit?
Buy now, pay later loans typically aren't reported to credit bureaus, so they can't help or hurt your score — but that's changing.
710 Credit Score: Is It Good or Bad?
A 710 credit score falls solidly into the “good” band (690-719) of a typical 300-850 range.
695 Credit Score: Is It Good or Bad?
A 695 credit score is at the low end of the “good” band (690-719) on a credit score range of 300 to 850.
720 Credit Score: Is It Good or Bad?
A 720 credit score is at the border between "good" and "excellent" on a 300-850 range.
What Is a Credit Reference?
You may be asked for a document or to allow access to your data when trying to rent, borrow money or get a job.
How to Be a Savvy Shopper Amid Cyber Monday Hype
Be realistic about this year's challenges, and set boundaries before you get caught up in the experience.
Scam Alert: Google Voice Verification Code Con Targets Online Sellers, Buyers
Never share a Google Voice verification code — or any other two-factor authentication message — with anyone.
Scam Alert: Avoid a Big Mistake in a New Job
CEO fraud and other scams try to get employees to purchase gift cards, send money or divulge sensitive information.
Scam Alert: How to Spot a Bogus Job
Watch for red flags that a job ad is a ruse to get your sensitive personal info or trick you into paying money.
What Is a FICO Score? FICO Score vs Credit Score
FICO scores are one brand of credit score. Your FICO score is based on the data in your credit reports.
Scam Alert: Child Tax Credit Is Automatic; No Need to Apply
The IRS won't call, text or email you so beware of unsolicited communications.