{"id":14219,"date":"2023-01-04T10:00:32","date_gmt":"2023-01-04T16:00:32","guid":{"rendered":"https:\/\/www.netcredit.com\/blog\/?p=14219"},"modified":"2025-12-18T14:01:47","modified_gmt":"2025-12-18T20:01:47","slug":"how-to-ask-for-a-raise","status":"publish","type":"post","link":"https:\/\/www.netcredit.com\/blog\/how-to-ask-for-a-raise\/","title":{"rendered":"How to Ask for a Raise (in Five Different Scenarios)"},"content":{"rendered":"<p>The work landscape in the U.S. has seen some major changes in recent years. Where commuting five days a week to the office was once the norm, <a href=\"https:\/\/www.statista.com\/statistics\/1122987\/change-in-remote-work-trends-after-covid-in-usa\/\" target=\"_blank\" rel=\"noopener\">44% of workers<\/a> now work remotely from Monday to Friday in the wake of the COVID-19 pandemic. The trend of quiet quitting \u2014 where employees reject overtime and only work their contracted hours \u2014 has also risen in popularity, to the point where quiet quitters now make up <a href=\"https:\/\/www.gallup.com\/workplace\/398306\/quiet-quitting-real.aspx\" target=\"_blank\" rel=\"noopener\">over half of the American workforce<\/a>.<\/p>\n<p>Unfortunately, one thing that hasn\u2019t changed much over the years is people\u2019s salaries. In fact, the average wage in the U.S. has only risen <a href=\"https:\/\/hbr.org\/2017\/10\/why-wages-arent-growing-in-america\" target=\"_blank\" rel=\"noopener\">0.2% a year<\/a> since the early 1970s, and in 2022, <a href=\"https:\/\/www.creditkarma.com\/about\/commentary\/inflation-brings-to-the-fore-pay-inequities-this-equal-pay-day\" target=\"_blank\" rel=\"noopener\">two-thirds of Americans<\/a> feel <strong>their pay isn\u2019t enough<\/strong> to cover rising costs due to record-high inflation. But needing a higher salary to keep up with the rising <a href=\"https:\/\/www.netcredit.com\/blog\/cost-of-living-calculator\/\">cost of living<\/a> isn\u2019t the only reason why someone might want or need a pay raise. Common reasons include taking on more responsibility at work and being underpaid for your level of skill and experience.<\/p>\n<p>That being said, approaching your boss about a pay raise is an intimidating idea for lots of people. One poll of U.K. workers found that <a href=\"https:\/\/www.peoplemanagement.co.uk\/article\/1742348\/more-than-one-in-ten-workers-too-scared-ask-for-pay-rise\" target=\"_blank\" rel=\"noopener\">more than one in ten employees<\/a> are too nervous to ask for a pay raise, with reasons ranging from worry about the request being rejected, not wanting to appear greedy and <strong>not knowing what to say<\/strong>.<\/p>\n<p>To help you find the right words, <a href=\"https:\/\/www.netcredit.com\/\">NetCredit<\/a> has trawled the web for expert advice and tips on how to ask for a raise in five common scenarios and put together a handy infographic.<\/p>\n<h2><strong>If You Don\u2019t Ask, You Don\u2019t Get<\/strong><\/h2>\n<p>Sometimes, the only way to get what you want in the workplace is to <strong>ask<\/strong> <strong>for it<\/strong>. But gaining the courage to schedule a meeting with your boss is often stressful enough \u2014 and what exactly should you say when you\u2019ve got the floor?<\/p>\n<p>One key theme that links all of the scenario advice is that you should go into your meeting equipped with plenty of <strong>research to back up your request<\/strong>. For example, if you feel you\u2019re underpaid for the work you do, <a href=\"https:\/\/www.payscale.com\/\" target=\"_blank\" rel=\"noopener\">Payscale.com<\/a> and <a href=\"https:\/\/www.salary.com\/\" target=\"_blank\" rel=\"noopener\">Salary.com<\/a> are useful tools to gauge what kind of salary is more appropriate for someone of your skill and experience level.<\/p>\n<p>Make sure the new figure is not too ambitious. As <a href=\"https:\/\/money.usnews.com\/money\/blogs\/outside-voices-careers\/2013\/05\/08\/what-your-manager-is-thinking-when-you-ask-for-a-raise\" target=\"_blank\" rel=\"noopener\">Alison Green of AskAManager.org<\/a> puts it: \u201cYou might be a great worker, but if your salary request would put you outside a reasonable range for the value of your work to the company, your manager<strong> isn&#8217;t likely to say yes<\/strong>.\u201d<\/p>\n<p><em><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-14221\" src=\"https:\/\/www.netcredit.com\/blog\/wp-content\/uploads\/sites\/3\/2022\/11\/How-to-Ask-for-a-Raise_IG.png\" alt=\"How to Ask for a Raise\" width=\"1334\" height=\"15766\" srcset=\"https:\/\/www.netcredit.com\/blog\/wp-content\/uploads\/sites\/3\/2022\/11\/How-to-Ask-for-a-Raise_IG.png 750w, https:\/\/www.netcredit.com\/blog\/wp-content\/uploads\/sites\/3\/2022\/11\/How-to-Ask-for-a-Raise_IG-130x1536.png 130w, https:\/\/www.netcredit.com\/blog\/wp-content\/uploads\/sites\/3\/2022\/11\/How-to-Ask-for-a-Raise_IG-150x1773.png 150w, https:\/\/www.netcredit.com\/blog\/wp-content\/uploads\/sites\/3\/2022\/11\/How-to-Ask-for-a-Raise_IG-640x7564.png 640w\" sizes=\"auto, (max-width: 1334px) 100vw, 1334px\" \/><\/em><\/p>\n<p style=\"text-align: center\"><a href=\"https:\/\/www.netcredit.com\/blog\/wp-content\/uploads\/sites\/3\/2022\/11\/How-to-Ask-for-a-Raise_IG_Hi-RES.png\" target=\"_blank\" rel=\"noopener\"><em>Click here to see the image in full size<\/em><\/a><\/p>\n<h2><strong>If All Else Fails, It Might Be Time to Move On<\/strong><\/h2>\n<p>Unfortunately, despite putting in all the legwork and building a strong case for yourself, you may find yourself in a situation where salary negotiations have failed, and <strong>you\u2019re no closer to getting the raise you\u2019ve asked for<\/strong>. In that situation, remember that sometimes the best way of securing the salary you deserve is by parting ways with your employer. Personal finance expert <a href=\"https:\/\/www.cnbc.com\/2021\/11\/09\/switching-jobs-can-lead-to-higher-pay-heres-what-to-know.html\" target=\"_blank\" rel=\"noopener\">Mandi Woodruff-Santos<\/a> advises: \u201cIf you\u2019re not being paid what you\u2019re valued or you don\u2019t see career potential for yourself at your job, then you\u2019d best be looking for your next option.\u201d<\/p>\n<h2><strong>SOURCES<\/strong><\/h2>\n<ol>\n<li>Business Wire. (2021). <a href=\"https:\/\/www.businesswire.com\/news\/home\/20211019005759\/en\/New-Survey-Finds-U.S.-Adults-Feel-Underemployed-and-Want-More-Affordable-Flexible-Education\" target=\"_blank\" rel=\"noopener\">New Survey Finds U.S. Adults Feel Underemployed and Want More Affordable, Flexible Education<\/a>. <strong>businesswire.com<\/strong><\/li>\n<li>Raise Guide. (2022). How to Ask for a Raise When Taking More Responsibility. <strong>raiseguide.com<\/strong><\/li>\n<li>Green, A. (2021). <a href=\"https:\/\/www.thecut.com\/article\/how-to-ask-for-a-raise.html\" target=\"_blank\" rel=\"noopener\">How to Ask for a Raise<\/a>. <strong>thecut.com<\/strong><\/li>\n<li>Lloyd, J. (2019). <a href=\"http:\/\/www.joanlloyd.com\/Your-Career\/Making-the-case-for-new-responsibilities-warrantin.aspx\" target=\"_blank\" rel=\"noopener\">Making the case for new responsibilities warranting a salary increase<\/a>. <strong>joanlloyd.com<\/strong><\/li>\n<li>Doyle, A. (2022). <a href=\"https:\/\/www.thebalancemoney.com\/top-do-s-and-don-ts-for-asking-for-a-raise-2062774\" target=\"_blank\" rel=\"noopener\">How to Ask for a Raise<\/a>. <strong>thebalancemoney.com<\/strong><\/li>\n<li>Faber, T. (2017). <a href=\"https:\/\/www.payscale.com\/salary-negotiation-guide\/salary-negotiation-scripts\/\" target=\"_blank\" rel=\"noopener\">How to Start the Conversation: Salary Negotiation Scripts<\/a>. <strong>payscale.com<\/strong><\/li>\n<li>Morrison, S. (2022). <a href=\"https:\/\/www.businessnewsdaily.com\/11167-what-to-do-if-underpaid.html\" target=\"_blank\" rel=\"noopener\">What to Do if You Think You\u2019re Underpaid<\/a>.<strong> businessnewsdaily.com<\/strong><\/li>\n<li>Robert Half. (2018). <a href=\"https:\/\/press.roberthalf.com\/2018-06-06-More-Companies-offering-promotions-without-Raises-AND-many-workers-willing-to-accept-them?mod=article_inline\" target=\"_blank\" rel=\"noopener\">More Companies Offering Promotions Without Raises &#8212; And Many Workers Willing To Accept Them<\/a>. <strong>press.roberthalf.com<\/strong><\/li>\n<li>Indeed. (2022). <a href=\"https:\/\/www.indeed.com\/career-advice\/pay-salary\/negotiate-promotion-salary\" target=\"_blank\" rel=\"noopener\">How To Effectively Negotiate a Promotion Salary Increase<\/a>. <strong>indeed.com<\/strong><\/li>\n<li>Burry, M. (2021). <a href=\"https:\/\/www.thebalancemoney.com\/what-to-do-if-you-re-offered-a-promotion-without-a-raise-5076900#:~:text=It%20can%20feel%20offensive%20to,re%20doing%20a%20good%20job\" target=\"_blank\" rel=\"noopener\">What to Do If You&#8217;re Offered a Promotion Without a Raise<\/a>. <strong>thebalancemoney.com<\/strong><\/li>\n<li>Martin, M. (2022). <a href=\"https:\/\/www.businessnewsdaily.com\/8101-asking-for-a-raise-tips.html\" target=\"_blank\" rel=\"noopener\">How to Ask Your Boss for a Raise: 5 Tips for Success<\/a>. <strong>businessnewsdaily.com<\/strong><\/li>\n<li>Green, A. (2021). <a href=\"https:\/\/www.thecut.com\/article\/how-to-ask-for-a-raise.html\" target=\"_blank\" rel=\"noopener\">How to Ask for a Raise<\/a>. <strong>thecut.com<\/strong><\/li>\n<li>Glassdoor. (2021). <a href=\"https:\/\/www.glassdoor.com\/blog\/guide\/examples-of-personal-achievements\/\" target=\"_blank\" rel=\"noopener\">Examples of Personal Achievements that Impress<\/a>. <strong>glassdoor.com<\/strong><\/li>\n<li>Hampson, L. (2019). <a href=\"https:\/\/www.standard.co.uk\/lifestyle\/london-life\/how-to-ask-for-a-raise-gender-pay-gap-male-colleague-earning-more-a4287426.html\" target=\"_blank\" rel=\"noopener\">Equal Pay Day: how to ask for a raise when a male colleague is earning more<\/a>. <strong>standard.co.uk<\/strong><\/li>\n<li>Lowry, E. (2019). <a href=\"https:\/\/forge.medium.com\/what-to-say-when-youre-paid-less-than-a-co-worker-for-the-same-work-4857237f0e76\" target=\"_blank\" rel=\"noopener\">What to Say When You\u2019re Paid Less Than a Co-Worker For the Same Work<\/a>. <strong>medium.com<\/strong><\/li>\n<li>Connely, C. (2017). <a href=\"https:\/\/www.cnbc.com\/2017\/12\/11\/suzy-welch-heres-the-exact-right-way-to-ask-for-a-raise.html\" target=\"_blank\" rel=\"noopener\">Suzy Welch: Here\u2019s the exact right way to ask for a raise<\/a>. <strong>cnbc.com<\/strong><\/li>\n<li>Allen, J. (2021). <a href=\"https:\/\/firsthand.co\/blogs\/workplace-issues\/how-to-deal-with-a-denied-promotion-and-salary-increase\" target=\"_blank\" rel=\"noopener\">How to Deal with a Denied Promotion and Salary Increase<\/a>. <strong>firsthand.co<\/strong><\/li>\n<li>Mason, K. (2021). <a href=\"https:\/\/www.jobsage.com\/blog\/how-to-ask-for-a-raise-when-you-are-underpaid\/\" target=\"_blank\" rel=\"noopener\">How to Ask for a Raise When You Are Underpaid<\/a>. <strong>jobsage.com<\/strong><\/li>\n<li>Careertuners. (2022). <a href=\"https:\/\/careertuners.com\/blog\/salary-negotiation-tips\/\" target=\"_blank\" rel=\"noopener\">13 Tips on How to Negotiate a Higher Salary in 2022 (with Scripts)<\/a>. <strong>careertuners.com<\/strong><\/li>\n<li>Glassdoor. (2022). <a href=\"https:\/\/www.glassdoor.com\/blog\/guide\/how-to-ask-for-a-raise\/\" target=\"_blank\" rel=\"noopener\">How to Ask for a Raise<\/a>. <strong>glassdoor.com<\/strong><\/li>\n<li>Rob Walters Group. (2022). <a href=\"https:\/\/www.robertwaltersgroup.com\/news\/expert-insight\/careers-blog\/six-ways-to-turn-a-job-rejection-to-your-advantage.html\" target=\"_blank\" rel=\"noopener\">How to handle a job rejection<\/a>. <strong>robertwaltersgroup.com<\/strong><\/li>\n<li>Archer, F. (2022). <a href=\"https:\/\/www.comparethemarket.com\/meerkat-your-life\/articles\/how-to-ask-your-boss-for-a-pay-rise-when-there-isnt-any-money\/\" target=\"_blank\" rel=\"noopener\">How to ask your boss for a pay rise when there isn&#8217;t any money. <\/a><strong>comparethemarket.com<\/strong><\/li>\n<li>Salary.com. (2021). <a href=\"https:\/\/www.salary.com\/passages\/turned-down-for-a-raise\/1\/\" target=\"_blank\" rel=\"noopener\">7 Things to Do After Your Request for a Raise Gets Denied<\/a>. <strong>salary.com<\/strong><\/li>\n<li>Stewart, A. (2021). <a href=\"https:\/\/www.payscale.com\/compensation-trends\/most-people-believe-they-are-underpaid-even-when-they-arent\/\" target=\"_blank\" rel=\"noopener\">Most People Believe They are Underpaid Even When They Aren\u2019t<\/a>. <strong>payscale.com<\/strong><\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"<p>The work landscape in the U.S. has seen some major changes in recent years. Where commuting five days a week &#8230;<\/p>\n","protected":false},"author":29,"featured_media":14223,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[626],"tags":[848,251,849],"class_list":["post-14219","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-improving-finances","tag-ask-for-a-raise","tag-career-advice","tag-get-paid-more"],"pp_statuses_selecting_workflow":false,"pp_workflow_action":"current","pp_status_selection":"publish","pp_post_mime_type":"publish","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Ask for a Raise (in Five Different Scenarios) - NetCredit Blog<\/title>\n<meta name=\"description\" content=\"Learn how to prepare, what to say, and the best timing when asking your employer for a raise.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.netcredit.com\/blog\/how-to-ask-for-a-raise\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Ask for a Raise (in Five Different Scenarios) - NetCredit Blog\" \/>\n<meta property=\"og:description\" content=\"Learn how to prepare, what to say, and the best timing when asking your employer for a raise.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.netcredit.com\/blog\/how-to-ask-for-a-raise\/\" \/>\n<meta property=\"og:site_name\" content=\"NetCredit Blog\" \/>\n<meta property=\"article:published_time\" content=\"2023-01-04T16:00:32+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-18T20:01:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.netcredit.com\/blog\/wp-content\/uploads\/sites\/3\/2022\/11\/Header_How-to-Ask-for-a-Raise.png\" \/>\n\t<meta property=\"og:image:width\" content=\"751\" \/>\n\t<meta property=\"og:image:height\" content=\"393\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Matt Pelkey\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Matt Pelkey\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How to Ask for a Raise (in Five Different Scenarios) - NetCredit Blog","description":"Learn how to prepare, what to say, and the best timing when asking your employer for a raise.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.netcredit.com\/blog\/how-to-ask-for-a-raise\/","og_locale":"en_US","og_type":"article","og_title":"How to Ask for a Raise (in Five Different Scenarios) - NetCredit Blog","og_description":"Learn how to prepare, what to say, and the best timing when asking your employer for a raise.","og_url":"https:\/\/www.netcredit.com\/blog\/how-to-ask-for-a-raise\/","og_site_name":"NetCredit Blog","article_published_time":"2023-01-04T16:00:32+00:00","article_modified_time":"2025-12-18T20:01:47+00:00","og_image":[{"width":751,"height":393,"url":"https:\/\/www.netcredit.com\/blog\/wp-content\/uploads\/sites\/3\/2022\/11\/Header_How-to-Ask-for-a-Raise.png","type":"image\/png"}],"author":"Matt Pelkey","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Matt Pelkey","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.netcredit.com\/blog\/how-to-ask-for-a-raise\/#article","isPartOf":{"@id":"https:\/\/www.netcredit.com\/blog\/how-to-ask-for-a-raise\/"},"author":{"name":"Matt Pelkey","@id":"https:\/\/www.netcredit.com\/blog\/#\/schema\/person\/2674885be63563de3d83f64e37d2192c"},"headline":"How to Ask for a Raise (in Five Different Scenarios)","datePublished":"2023-01-04T16:00:32+00:00","dateModified":"2025-12-18T20:01:47+00:00","mainEntityOfPage":{"@id":"https:\/\/www.netcredit.com\/blog\/how-to-ask-for-a-raise\/"},"wordCount":914,"image":{"@id":"https:\/\/www.netcredit.com\/blog\/how-to-ask-for-a-raise\/#primaryimage"},"thumbnailUrl":"https:\/\/www.netcredit.com\/blog\/wp-content\/uploads\/sites\/3\/2022\/11\/Header_How-to-Ask-for-a-Raise.png","keywords":["Ask For A Raise","career advice","Get Paid More"],"articleSection":["Managing Finances"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.netcredit.com\/blog\/how-to-ask-for-a-raise\/","url":"https:\/\/www.netcredit.com\/blog\/how-to-ask-for-a-raise\/","name":"How to Ask for a Raise (in Five Different Scenarios) - NetCredit Blog","isPartOf":{"@id":"https:\/\/www.netcredit.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.netcredit.com\/blog\/how-to-ask-for-a-raise\/#primaryimage"},"image":{"@id":"https:\/\/www.netcredit.com\/blog\/how-to-ask-for-a-raise\/#primaryimage"},"thumbnailUrl":"https:\/\/www.netcredit.com\/blog\/wp-content\/uploads\/sites\/3\/2022\/11\/Header_How-to-Ask-for-a-Raise.png","datePublished":"2023-01-04T16:00:32+00:00","dateModified":"2025-12-18T20:01:47+00:00","author":{"@id":"https:\/\/www.netcredit.com\/blog\/#\/schema\/person\/2674885be63563de3d83f64e37d2192c"},"description":"Learn how to prepare, what to say, and the best timing when asking your employer for a raise.","breadcrumb":{"@id":"https:\/\/www.netcredit.com\/blog\/how-to-ask-for-a-raise\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.netcredit.com\/blog\/how-to-ask-for-a-raise\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.netcredit.com\/blog\/how-to-ask-for-a-raise\/#primaryimage","url":"https:\/\/www.netcredit.com\/blog\/wp-content\/uploads\/sites\/3\/2022\/11\/Header_How-to-Ask-for-a-Raise.png","contentUrl":"https:\/\/www.netcredit.com\/blog\/wp-content\/uploads\/sites\/3\/2022\/11\/Header_How-to-Ask-for-a-Raise.png","width":751,"height":393,"caption":"How to Ask for a Raise"},{"@type":"BreadcrumbList","@id":"https:\/\/www.netcredit.com\/blog\/how-to-ask-for-a-raise\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.netcredit.com\/blog\/"},{"@type":"ListItem","position":2,"name":"How to Ask for a Raise (in Five Different Scenarios)"}]},{"@type":"WebSite","@id":"https:\/\/www.netcredit.com\/blog\/#website","url":"https:\/\/www.netcredit.com\/blog\/","name":"NetCredit Blog","description":"Explore resources to help you build credit, strengthen your finances and borrow wisely.","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.netcredit.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.netcredit.com\/blog\/#\/schema\/person\/2674885be63563de3d83f64e37d2192c","name":"Matt Pelkey","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.netcredit.com\/blog\/wp-content\/uploads\/sites\/3\/2023\/01\/22-00397_06_ENVA-Author-Head-Shots-Matt-1a01-1-e1673556409239-150x150.jpg","url":"https:\/\/www.netcredit.com\/blog\/wp-content\/uploads\/sites\/3\/2023\/01\/22-00397_06_ENVA-Author-Head-Shots-Matt-1a01-1-e1673556409239-150x150.jpg","contentUrl":"https:\/\/www.netcredit.com\/blog\/wp-content\/uploads\/sites\/3\/2023\/01\/22-00397_06_ENVA-Author-Head-Shots-Matt-1a01-1-e1673556409239-150x150.jpg","caption":"Matt Pelkey"},"description":"Matt Pelkey is the content strategy manager for Enova International. A certified financial educator, he combines a background in journalism with eight years in the fintech space to offer readers practical, easy-to-understand financial tips. He holds degrees from Vassar College and the University of Notre Dame.","sameAs":["https:\/\/www.linkedin.com\/in\/matt-pelkey-chicago\/"],"url":"https:\/\/www.netcredit.com\/blog\/author\/mpelkey\/"}]}},"acf":[],"publishpress_future_action":{"enabled":false,"date":"2026-04-22 12:10:00","action":"change-status","newStatus":"draft","terms":[],"taxonomy":"category","extraData":[]},"publishpress_future_workflow_manual_trigger":{"enabledWorkflows":[]},"_links":{"self":[{"href":"https:\/\/www.netcredit.com\/blog\/wp-json\/wp\/v2\/posts\/14219","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.netcredit.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.netcredit.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.netcredit.com\/blog\/wp-json\/wp\/v2\/users\/29"}],"replies":[{"embeddable":true,"href":"https:\/\/www.netcredit.com\/blog\/wp-json\/wp\/v2\/comments?post=14219"}],"version-history":[{"count":6,"href":"https:\/\/www.netcredit.com\/blog\/wp-json\/wp\/v2\/posts\/14219\/revisions"}],"predecessor-version":[{"id":16123,"href":"https:\/\/www.netcredit.com\/blog\/wp-json\/wp\/v2\/posts\/14219\/revisions\/16123"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.netcredit.com\/blog\/wp-json\/wp\/v2\/media\/14223"}],"wp:attachment":[{"href":"https:\/\/www.netcredit.com\/blog\/wp-json\/wp\/v2\/media?parent=14219"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.netcredit.com\/blog\/wp-json\/wp\/v2\/categories?post=14219"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.netcredit.com\/blog\/wp-json\/wp\/v2\/tags?post=14219"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}