Author: LaToya Irby, Invibed

LaToya Irby is a freelance writer covering personal finance and’s Credit and Debt Management Expert. She has a B.S. in Business Administration from The University of Alabama, landed a job at a Corporate 50 company right out college, and left just three years later to freelance full-time. She’s an outgoing introvert, serial hobbyist, and loves the color gray.