LaToya Irby

LaToya Irby is a credit and credit card expert. She has over 12 years of experience in financial reporting as a writer and ghostwriter for dozens of personal finance outlets, and has been quoted as an expert in publications including USA Today, U.S. News and World Report, and The Chicago Tribune.

LaToya has been the Credit Expert for The Balance (and prior to that, since 2007. She covers everything consumers need to know about credit and debt, from managing credit cards to repairing your credit and getting out of debt.


  • LaToya has been the Credit Expert for The Balance (and, before that) since 2007
  • She has been quoted in USA Today, U.S. News and World Report, and The Chicago Tribune, among others
  • She has a business degree from the University of Alabama 


In addition to her work for The Balance, LaToya's writing has appeared in publications including,,, and She's been quoted for her credit and debt expertise in several major publications: USA Today, U.S. News and World Report, Yahoo! Finance, Black Enterprise, Los Angeles Times, Chicago Tribune, and the Associated Press. She has also had her work cited in The Debtors Resistance Operation Manual by Strike Debt, Debt Free for Life by David Bach, and Criminal Law & Procedure for the Paralegal (Fourth Edition).

LaToya has appeared as a guest expert on radio shows across the country, and has hosted local financial seminars. She has also worked as a collection specialist in the financial services industry, giving her insider knowledge on debt collection laws and practices, as well as insight into consumer challenges in dealing with debt.


​LaToya holds a business degree from the University of Alabama.

Other work:


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The Balance makes personal finance easy to understand. It is home to experts who provide clear, practical advice on managing your money. Whether you’re looking to invest, buy a home, save for retirement, or achieve another financial goal, The Balance will answer your questions with straightforward personal financial advice.

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