Personal finance writer

Resides In

Birmingham, Alabama


University of Alabama


Credit management, debt management, credit cards, personal finance


  • LaToya has written more than 650 articles about credit, debt, and credit cards since 2007
  • She has over 12 years of experience as a writer and ghostwriter for dozens of other personal finance outlets
  • She has been quoted as an expert in publications including USA Today, U.S. News & World Report, The Chicago Tribune, and others


LaToya Irby has written hundreds of articles about credit, credit cards, debt, and banking. Her writing has appeared on The Balance,, Investopedia, and in other publications, including OneEleven and Finance Globe, and the company blog for HealPay.

Widely sought out for her credit expertise, she has been quoted in USA Today, U.S. News & World Report, Yahoo! Finance, Black Enterprise, Los Angeles Times, The 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 earned a business degree from the University of Alabama.


​LaToya holds a B.S. from the University of Alabama.