Randy Padawer
Randy Padawer is a Ph.D. in clinical psychology whose research interests range from personality testing to consumer credit. He has been featured in publications as diverse as the Journal of Personality Assessment, the Journal of Consulting and Clinical Psychology, and Smart Money Magazine. Dr. Padawer co-wrote the best-selling “FICO® 850” seminar for The Motley Fool, and he has consulted for Lexington Law and others regarding consumer behavior and credit reporting.


Peter Johnson
Peter has a degree in print journalism. He has a background in writing about personal finance, including taking on the role of editor for a finance section of a small news outlet.

Albert Cunningham
Albert has covered personal finance as a reporter and editor during his career. After earning a magazine journalism degree, he worked as a technology writer. He still uses his technology background to help enhance his finance articles.

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