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 to Protect Your Credit When Shopping for the Holidays
Start by understanding your credit score, then set a spending limit and be strategic when shopping.
13 Ways to Leave Scammers Empty-Handed This Holiday Season
Protect your mobile devices, recognize and avoid risks, and guard against ID theft while holiday shopping.
Why You Might Not Want to Zero Out Every Credit Card
Using 1% of your credit limit can be even better for credit scores than zeroing out all your card balances.
Is That ‘Contact Tracer’ Really a Scammer? How to Tell
Scammers are trying to take advantage of confusion over COVID-19 contact tracing. Here's how to keep yourself safer.
How to Organize Important Documents Simply and Safely
Start by knowing what should be kept and for how long. Then, set up a filing system, whether paper or electronic.
File Your Claim in the Yahoo Data Breach Settlement by July 20
As with other big data breach deals, what you might receive depends a lot on how many other people file claims.
Why Good Credit Matters — Even if You Don’t Plan to Borrow
Good credit provides a safety net in a crisis, and it can reduce bills and make you look better on applications.
Credit Score Drop? How to Diagnose Why, and What to Do Next
If you got a payment modification and saw a score drop, it’s tempting to think they’re related. They may not be.
How to Manage Your Credit Score During a Crisis
Making strategic choices will help you limit damage to your credit score and position you to rebound more quickly
You Can Now Get Free Weekly Credit Reports — Here’s How to Use Them
Keeping a close eye on your reports helps you avoid unnecessary damage to your credit scores.
How COVID-19 Payment Accommodations May Affect Your Credit
Accommodations alone should not hurt your credit, but relying more heavily on credit cards might.
Relief Checks Are Coming, Scammers Are Already Here
Beware of criminals using the coronavirus pandemic as a way to get your personal data or bilk you out of cash.