Jill A. Chafin

Staff Writer

  • Expertise: Personal finance, small business loans
  • Education: Whitireia Community Polytechnic, University of North Carolina at Chapel Hill


Jill A. Chafin is a staff writer at LendingTree, where she covers a variety of personal finance and small business topics. Her work has appeared on the Motley Fool’s Blueprint, How-to Geek’s Life Savvy, as well as her own blog.

Before joining LendingTree, Jill spent 20+ years as a freelance writer and editor. She has received multiple awards for her creative writing, with pieces published in literary anthologies such as the Personal Story Publishing Project. She has experience running her own business and loves helping others pursue their entrepreneurial dreams.

Jill earned a writing certification from the Whitireia Community Polytechnic in New Zealand and a bachelor’s degree from the University of North Carolina at Chapel Hill.

Articles by Jill A. Chafin

What is a Credit Freeze and How Is It Done?

A credit freeze makes your credit report inaccessible to lenders, which can help prevent identity theft. Even if a criminal has pertinent information, such as... read more

How To Get A Secured Business Loan in 2022

Secured business loans use collateral to reduce lender risk, allowing small business owners to potentially unlock more attractive rates and terms. Collateral can include cash... read more

Recession-Proof Businesses: Profitable Industries and Traits

A recession is a sustained economic downturn, usually caused by factors out of our control, such as war, a pandemic, fuel shortages and more. While... read more

What is Credit Fraud?

Credit fraud is when someone steals one of your existing credit card accounts or uses your personal info to open a fake account in your... read more

What is the Best Credit Utilization Ratio?

Your credit utilization ratio is a number showing how much available credit you’re currently using. It plays a significant role in determining your overall credit... read more

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