LaToya Irby Headshot

LaToya Irby

Expertise: Credit management, Debt management, Credit Cards
Education: University of Alabama
Location: Birmingham, Alabama


  • Has written more than 650 articles about credit, debt, and credit cards for The Balance (and, before that) since 2007
  • Has over 12 years of experience as a writer and ghostwriter for dozens of other personal finance outlets
  • 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 for The Balance. Her writing has also appeared in other publications, including OneEleven and Finance Globe, and the company blog for HealPay.

Widely sought 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.

About The Balance

The Balance, a Dotdash Meredith brand, makes money easy to understand. We give people tools they need to not only make smart financial decisions but also prepare for the experiences they will have along the way. Our team of expert writers and editors have extensive qualifications in the topics they cover, and many of them have MBAs, PhDs, CFPs, and other advanced degrees and professional certifications. We require our writers to use primary sources in their articles, which are also approved by our Financial Review Board and fact-checked. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.