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Articles by Brian Penny

Brian, a former business analyst in the mortgage industry, writes on ethics, regulations, and technology in the banking industry. His contributions have been featured in The STreet, Huffington Post, Forbes, Fast Company, Intuit, and other major outlets.

11 Tips on How to Get Free First Class Airline Ticket Upgrades Photo of Brian Penny Brian Penny 11 Tips on How to Get Free First Class Airline Ticket Upgrades The majority of people fly coach, but a small percentage of the population enjoy... How to Apply for New Loans After Defaulting on Student Loans Defaulting on a student loan may lead to bad credit, but it doesn't necessarily mean that you cannot apply for loans such as mortgages and credit cards. How Secured Credit Cards Help to Build a Good Credit Score To improve your bad credit, you can use a secured credit card. It can help you build good credit, but you'll need to put down a security deposit as collateral. Barclays Online Savings Account 2025 Review Photo of Brian Penny Brian Penny Barclays Online Savings Account 2025 Review Learn if the Barclays Savings Accounts offers one of the best savings APY. Compare online savings accounts rates, fees and services to the other top national banks and online banks. Top 8 IRS Practices that Will Outrage You Photo of Brian Penny Brian Penny Top 8 IRS Practices that Will Outrage You An IRS audit is a source of fear for many Americans, whether business owners or... Escrow Accounts: The Mortgage Industry's Hidden Money Because escrow accounts are not regulated, they’re often used for a wide variety of purposes by mortgage lenders and kept hidden from the public. Why It's Dumb to Use Smartphones to Make Card Payments Your card isn’t connected to the Internet on its own, but your smartphone is always connected -- and that means card payment on a smartphone can be compromised What Affects Your Credit Score More — Loans or Credit Cards? Photo of Brian Penny Brian Penny What Affects Your Credit Score More — Loans or Credit Cards? Credit scores are an unavoidable part of life. Every time you move, apply for a... Why You Should Get Direct Deposit Without a Bank Account Photo of Brian Penny Brian Penny Why You Should Get Direct Deposit Without a Bank Account The Big Short, a movie and book about the housing crisis, garnered a lot of buzz... 12 Ways to Handle Your Taxes for Life's Sticky Situations