LaToya Irby Headshot
Credit management, Debt management
University of Alabama


  • LaToya has over 12 years of experience in financial reporting as a writer and ghostwriter for dozens of personal finance outlets
  • Quoted as an expert in publications including USA Today, U.S. News and World Report, and The Chicago Tribune
  • LaToya has been the Credit Expert for The Balance SMB (and, before that) since 2007
  • She has been quoted in USA Today, U.S. News and World Report, The Chicago Tribune, and so on


In addition to her work for The Balance, LaToya's writing has appeared in publications including,,, and She's been quoted for her credit and debt expertise in several major publications: USA Today, U.S. News and World Report, Yahoo! Finance, Black Enterprise, Los Angeles Times, 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 holds a business degree from the University of Alabama.