Beverly Blair Harzog is a spokeswoman and contributing editor for CardRatings.com. She’s a former CPA and an award winning personal finance journalist. She’s a former columnist for the Navy Federal Credit Union’s magazine, Home Port, and has written about credit issues for CNNMoney.com, FoxBusiness.com, Good Housekeeping, Bankrate.com, Bottom Line Wealth, CreditCards.com, AARP Bulletin Today, and more. She’s also the co-author of The Complete Idiot’s Guide to Person-Person Lending(Alpha Books/Penguin, April 2009). Follow her on Twitter @beverlyharzog.