Tracy Brackman

Senior Editor

  • Expertise: Credit cards, credit scoring, personal finance
  • Education: Ohio State University, Florida International University


Tracy Brackman is a senior editor and credit card expert at LendingTree, where she writes and edits educational pieces on credit card-related topics and personal finance using her 12+ years of experience in the field.

Before joining LendingTree in 2019, Tracy worked as a products editor for, where she developed the credit card products section and created content focused on breaking credit card news.

Prior to that, she worked as a product information manager for Bankrate, where she managed the financial and credit card product details and maintained compliance for two affiliate networks, as well as Bankrate-owned and operated sites.

She began working in the credit card space in 2009 as the editorial department manager for FlexOffers, an affiliate marketing company.

Tracy studied marketing at the Ohio State University and Florida International University.

Articles by Tracy Brackman

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

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

Pros and Cons of Being an Authorized User on a Credit Card

Citi is an advertising partner. When you have poor or limited credit, it can be challenging to get a credit card with the best features... read more

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