Tracy Brackman

Tracy joined LendingTree in June 2019 as a senior writer. She began working in the credit card space in 2009 as the editorial department manager for FlexOffers, an affiliate marketing company. She went on to work as product information manager for Bankrate, where she managed the financial and credit card product details for two affiliate networks, as well as Bankrate owned and operated sites. Prior to joining LendingTree, Tracy worked as products editor for, where she developed the credit card products section and created content focused on breaking credit card news.

Articles by Tracy Brackman

United Explorer Card vs. United Gateway Card

If you’re a United Airlines loyalist interested in earning rewards to help offset the cost of future travel, the United℠ Explorer Card and the newly... read more

What Is a Credit Score and How Is It Calculated?

Your credit score can impact your ability to get a loan, open a credit card account, rent a home or even sign up for a... read more

Benefits and Risks to Adding Authorized Users to Credit Cards

If you have a family member or close friend with poor or limited credit, adding them as an authorized user to your credit card is... read more

Best Free Credit Reports

Because your credit report plays such a crucial role in your ability to be approved for a mortgage, apartment lease, car loan, credit card and... read more

5 Factors That Affect Your Credit Score

Whether you’re looking to build your credit profile, apply for a new car loan, mortgage or credit card, it’s good to know about the factors... read more

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