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Lance Cothern is a personal finance and credit expert. He graduated as the valedictorian of the College of Business at James Madison University and went on to earn his CPA license in Virginia a year later.

After a few years in public and corporate accounting, Lance started his own personal finance blog, Money Manifesto. He then transitioned his career to become a freelance writer focusing on personal finance and credit topics. His clients have included U.S. News and World Report, Forbes, My Bank Tracker, Credit Karma, and many more.