Charlie Tarver

Good credit: You’ll typically need good-to-excellent credit to qualify for refinancing. Generally, borrowers with strong credit can qualify for lower interest rates compared to borrowers with poor or fair credit.
Low debt-to-income ratio: Your debt-to-income ratio (DTI) is the percentage of your gross monthly income that’s required to pay expenses like your rent or mortgage, car loan, and other debts. In general, you’ll need a DTI below 50% — though some lenders might require a lower ratio.
Verifiable income: Lenders want to see that you’ll be able to afford your future loan payments. Some lenders have a certain minimum income you’ll have to meet while others don’t — but in either case, you’ll typically have to show proof of income.

5+ years as an editor.
Personal loan expert.

Bio and experience

Charlie Tarver was an editor for Credible’s personal loans vertical, and his time working on various desks has seen him edit a wide range of content, from long-form policy analysis to defense briefs and celebrity Q&As. As an editor, he is passionate about style guides, em dashes, and advocating for readers by ensuring content is clear, concise, actionable, and accurate.

After getting his start at Stars and Stripes as a Dow Jones News Fund intern, Charlie spent more than five years copy editing articles for political newspaper The Hill’s website and print edition, covering the fast-paced world of Capitol Hill.

He's currently a copy editor at Forbes Advisor based in Maryland.

Education

Charlie has a Bachelor of Science in journalism from the University of Kansas.