Louis DeNicola

Oakland

#Freelance personal finance and #credit writer. I don't check Twitter, but you can reach me on LinkedIn - https://t.co/LvJulRF4ux

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Articles

Reverse Mortgages: How Much Can You Get?

2 days ago | moneymanagement.org | Louis DeNicola

If you’re 62 or older, own a home, and need money for your retirement, you may be intrigued by a home equity conversion mortgage (HECM). The U.S. Department of Housing and Urban Development (HUD) backs HECMs, which are one of the most popular types of reverse mortgage. For people living in the home they plan to stay in for the rest of their life, the extra money can make a big difference with seemingly little downside. However, reverse mortgages aren’t a great fit for everyone.
Everything You Need to Know About Inheriting Money

2 weeks ago | moneymanagement.org | Louis DeNicola

The following is presented for informational purposes only and is not intended as legal advice. While inheriting money, property, and other assets can bring about positive changes for your household, handling an inheritance can be difficult as you’ll almost certainly be dealing with a loss at the same time. One important piece of advice—take time to process the loss before making big lifestyle or financial choices.
Best Private Student Loans

1 month ago | money.usnews.com | Louis DeNicola |Gina Freeman |Erika Giovanetti

Lender View DisclosureLearn More Sallie Mae 4.6Fixed APR 3.49% to 15.49% with autopayVariable APR 4.54% to 14.71% with autopayMax. Loan Amount No maximumMin. Credit Score Mid 600s Apply Now Lender View DisclosureLearn More College Ave4.7Fixed APR 3.35% to 17.99% with autopayVariable APR 4.44% to 17.99% with autopayMax. Loan Amount Not disclosedMin.
How Marriage Impacts Your Credit

1 month ago | moneymanagement.org | Louis DeNicola

While marriage can impact your finances in many ways, tying the knot doesn’t create a direct link between both of your credit reports or scores. But once you’re married, however, your spouse’s actions may have an indirect impact on your credit, and you may be able to work together to help each other build credit and save money. Marriage doesn’t combine your credit scoresGetting married doesn’t directly impact your credit reports or your credit scores, which are based on those reports.
How Does Student Loan Rehabilitation Work?

1 month ago | moneymanagement.org | Louis DeNicola

The following is presented for informational purposes only and is not intended as legal advice. When your budget isn’t working out, student loan payments can get pushed aside. Understandably, you may need to prioritize rent, utilities, and other immediate expenses over loan payments. However, pushing off payments for too loo long can have direct repercussions on your day-to-day finances, and there are better options than ignoring your loan payments altogether.
Can You Get Car Insurance Without a License?

2 months ago | experian.com | Louis DeNicola

You may be able to get car insurance without a license, but it tends to be more difficult and expensive. Looking for policies from smaller insurance companies, or working with an insurance broker who can help you shop for a policy, may be the best options. But it partially depends on what type of insurance you want, who will drive the car and why you don't have a license. Can You Get Car Insurance Without a License? Yes, you can get auto insurance without a license.
How Long Does a Car Insurance Claim Take?

2 months ago | experian.com | Louis DeNicola

Quick AnswerA car insurance claim can take 15 to 30 days to process, or it can be sooner. States require insurance companies to promptly respond to claimants and investigate claims, and many auto insurance claims are paid within a few days or weeks. However, the process can take much longer if there’s a dispute. Insurance companies generally have to respond to your claim and make a decision within a reasonable time, such 15 to 30 days.
The latest scams you need to be aware of in 2025 | Shareable Stories | crossroadstoday.com

2 months ago | crossroadstoday.com | Louis DeNicola

Experian shares the latest scams to watch out for in 2025, including AI-powered scams, imposter scams and investment scams.
Minimum Car Insurance by State in 2025

2 months ago | experian.com | Louis DeNicola

How Does Car Insurance Work? Car insurance policies generally contain several types of coverage that will apply to different accidents and injuries. Here's a quick look at how they work and what they cover. States require policies to include certain types of coverage within minimum limits, which are listed above. However, you can pay a higher premium to get higher coverage limits and additional types of coverage.
Does Applying Jointly Help With Auto Loans?

2 months ago | experian.com | Louis DeNicola

Quick AnswerApplying for an auto loan with a co-borrower might help you get approved for a larger loan or better interest rate. But consider whether you want to co-own the vehicle with someone else and how the joint loan might affect your relationship. A joint loan application might help you qualify for an auto loan, especially if you're struggling to get approved on your own and your co-applicant has good credit.