Heidi Rivera - Profile and Journalist Details
Find journalists that align with your industry, location and vision. Unlock Heidi Rivera's full journalist profile, including location, coverage topics, current employer, biography and preferences. Sign up today and start building journalist relationships that fuel your startup's growth.
Get connected with journalists today
Heidi Rivera
Verified
Student Loans Writer, Bankrate
Beats
Personal Finance and Credit EducationStudent loans
The debate on whether climate change is real.
Content
By Heidi Rivera Verified| Fidelity Investments@ Buy now, pay later (BNPL) products give the illusion of inexpensive payments — something that can make it easy to get carried away, resulting in loan stacking and financial risk. This is an especially acute risk as millennials and Gen Zers feel more strapped for cash than ever and are looking for ways to stretch their cash flow. The uptick in usage has been shown recently in Bankrate’s Buy Now, Pay Later survey.
By Heidi Rivera Verified| KATU-TV (Portland, OR) Verified Does applying for a loan hurt your credit score? by Heidi RiveraTue, February 25th 2025 at 6:56 AMSrdjanPav/ Getty Images; Illustration by Austin Courregé/Bankrate
By Heidi Rivera Verified| WEAR-TV (Pensacola, FL) Verified Key takeawaysA loan application, just like a credit card application, can temporarily lower your credit score due to the required hard credit check. Though this drop is temporary, it isn’t the only way a personal loan can hurt your credit score. Missed or late payments can also cause damage. That said, personal loans — or any type of loan — can also positively affect your score over time by contributing to your credit mix and payment history, among other factors.
Company Info
Bankrate
Bankrate is a prominent personal finance company founded in 1976 by Robert K. Heady. Initially known for its print publications, it transitioned to an online platform with the launch of Bankrate.com in 1996. This shift marked a significant evolution in its business strategy, allowing it to provide a wide array of financial information and tools to consumers. The company offers detailed insights on credit cards, mortgages, deposits, and other financial products. It features calculators and comparison tools to help users make informed financial decisions. Bankrate also operates a network of content-rich websites that focus on various financial categories, providing valuable advice for managing personal finances. While it has a history of print publications, its primary focus is now on delivering comprehensive online financial services.
Fort Mill, South Carolina, United States
+1 561-630-2400
Founded: 1976