Josh Patoka

Josh Patoka is a freelance personal finance writer focusing on paying off debt, investing and credit cards. He draws from his experience of becoming debt-free, being a father of three and switching careers to help others achieve their financial goals. His work is featured on sites including Well Kept Wallet, Wallet Hacks and US News and World Report.

Josh earned a Bachelor of Arts in International Studies with a minor in Spanish and graduated with academic distinction from the Virginia Military Institute.

6 common credit mistakes to avoid

These 6 credit mistakes can make it harder to get the best loan rates. See how to improve your credit and check your credit score for free.