Ashley Maready

Ashley Maready is a dedicated content professional who brings a clear and readable voice to everything she writes or edits. Before changing careers in 2021, she spent 12 years working for nonprofit history, art, and STEM-focused museums. She started as a collections and conservation manager and finished as an executive director.

Ashley brings real-world experience and communications skills to personal finance. Her biggest money mistake was buying a home when she was in her 20s and had no savings. She had to let it go through a short sale that tanked her credit. She never thought she’d own a home again.

Her journey to a better financial situation began in 2020, when she paid off her student loans. She worked extra hours to pay off the rest of her debt by 2022. She bought her second home in 2024.

What Credit Score Do You Need for a HELOC? Apr 9, 2026

Most lenders look for a credit score of 620 to 680 for a HELOC. Find out what score you need, how it affects your rate, and what to do if your score isn't there yet.

How Often Can HELOC Interest Rates Change?Mar 26, 2026

HELOC rates can adjust as often as daily, usually tied to the Prime Rate. Learn what drives changes, how much they can move, and what you can do about it.

Does Debt Settlement Destroy Your Credit Permanently?Mar 26, 2026

Debt settlement causes real credit damage, but permanent? No. Here’s when the damage actually happens, how long it lasts, and what you can do now.