10 Cities Where Your Paycheck Goes the Furthest

Personal Finance

10 Cities Where Your Paycheck Goes the Furthest

10 Cities Where Your Paycheck Goes the Furthest

Many people dream of living in New York or Los Angeles—rubbing shoulders with celebrities and Instagramming food from the hottest restaurants. They dream of flashy jobs and fat paychecks. That is, until they scroll through Craigslist or Zillow and determine they could never afford a fourth-floor walk-up above a noisy bar, let alone afford to... Read More

5 Gig Economy Websites That Help You Make More Money

Personal Finance

5 Gig Economy Websites That Help You Make More Money

5 Gig Economy Websites That Help You Make More Money

In the United States, the way people work is dramatically changing. The proliferation of the gig economy is shifting the American worker’s view of nine-to-five employment and creating endless possibilities for earning extra cash to help pay the bills and make ends meet. According to a recent analysis of gig economy and workforce data conducted by... Read More

4 Financial Factors to Keep in Mind When Budgeting for College

Students

4 Financial Factors to Keep in Mind When Budgeting for College

4 Financial Factors to Keep in Mind When Budgeting for College

In the US, the amount of student debt has reached over $1.4 trillion. The bad news for students currently planning on attending college is that tuition isn’t getting any cheaper. Insofar as there’s good news, students are being more financially cautious when planning for college, researching their student loan options, opting to stay in state,... Read More

The Equifax Breach and the Cybersecurity Silver Bullet

Identity Theft

The Equifax Breach and the Cybersecurity Silver Bullet

The Equifax Breach and the Cybersecurity Silver Bullet

Some time ago, the popular show Mythbusters wanted to find out if the Lone Ranger was right about silver bullets being better than lead ones. Turns out silver bullets are actually slower and less accurate. When it comes to cybersecurity, quick-fix silver bullets are also less effective than tried-and-true approaches. The most effective cybersecurity strategies... Read More

Worried about Your Online Information? Use a Virtual Credit Card

Credit Cards

Worried about Your Online Information? Use a Virtual Credit Card

Worried about Your Online Information? Use a Virtual Credit Card

[Disclosure: Cards from our partners are reviewed below.] Even when online retailers strive to keep customer information safe, data breaches happen. Hackers and thieves are constantly working to gain access to your sensitive data, including credit card numbers. Data breaches are on the rise and could cost businesses $8 trillion over the next five years.... Read More

Looking for Auto Insurance? Here Are 6 Things You Need to Know

Auto Loans

Looking for Auto Insurance? Here Are 6 Things You Need to Know

Looking for Auto Insurance? Here Are 6 Things You Need to Know

Let’s get one thing out there: no one is especially psyched to get car insurance. You get it because it’s a financial safeguard against damage to your car or injury to you or others (and maybe because it also happens to be legally required in some form nearly everywhere in the US). Car insurance is... Read More

3 Steps to Figure Out How Much Mortgage You Can Afford

Mortgages

3 Steps to Figure Out How Much Mortgage You Can Afford

3 Steps to Figure Out How Much Mortgage You Can Afford

Generally, the amount a lender will allow you to borrow for a mortgage is the amount at which the monthly loan payments (including principal, interest, property taxes, and homeowners insurance) equal no more than 28% of your gross monthly income. If you have excellent credit, some lenders may allow room for leniency. Additionally, your total... Read More

Top 3 Credit Cards for Rewards on Family Trips

Credit Cards

Top 3 Credit Cards for Rewards on Family Trips

Top 3 Credit Cards for Rewards on Family Trips

[UPDATE: Some offers mentioned below have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace. DISCLOSURE: Cards from our partners are mentioned below.] Field trips are a great way to entertain or educate the entire family, both kids and adults alike.... Read More

3 Common Alternative Investments: Are They Worth It?

Personal Finance

3 Common Alternative Investments: Are They Worth It?

3 Common Alternative Investments: Are They Worth It?

Whether you’re a novice at investing or have been day-trading your own stocks for years, you’ve probably heard about alternative investments. You might even be curious about whether or not they’re worth buying. If you want to be a savvy investor, you need to learn about alternative investments. Alternative investments are anything that doesn’t fall... Read More

Show Me More

Certain credit cards and other financial products mentioned in this and other sponsored content on Credit.com are Partners with Credit.com. Credit.com receives compensation if our users apply for and ultimately sign up for any financial products or cards offered.

Hello, Reader!

Thanks for checking out Credit.com. We hope you find the site and the journalism we produce useful. We wanted to take some time to tell you a bit about ourselves.

Our People

The Credit.com editorial team is staffed by a team of editors and reporters, each with many years of financial reporting experience. We’ve worked for places like the New York Times, American Banker, Frontline, TheStreet.com, Business Insider, ABC News, NBC News, CNBC and many others. We also employ a few freelancers and more than 50 contributors (these are typically subject matter experts from the worlds of finance, academia, politics, business and elsewhere).

Our Reporting

We take great pains to ensure that the articles, video and graphics you see on Credit.com are thoroughly reported and fact-checked. Each story is read by two separate editors, and we adhere to the highest editorial standards. We’re not perfect, however, and if you see something that you think is wrong, please email us at editorial team [at] credit [dot] com,

The Credit.com editorial team is committed to providing our readers and viewers with sound, well-reported and understandable information designed to inform and empower. We won’t tell you what to do. We will, however, do our best to explain the consequences of various actions, thereby arming you with the information you need to make decisions that are in your best interests. We also write about things relating to money and finance we think are interesting and want to share.

In addition to appearing on Credit.com, our articles are syndicated to dozens of other news sites. We have more than 100 partners, including MSN, ABC News, CBS News, Yahoo, Marketwatch, Scripps, Money Magazine and many others. This network operates similarly to the Associated Press or Reuters, except we focus almost exclusively on issues relating to personal finance. These are not advertorial or paid placements, rather we provide these articles to our partners in most cases for free. These relationships create more awareness of Credit.com in general and they result in more traffic to us as well.

Our Business Model

Credit.com’s journalism is largely supported by an e-commerce business model. Rather than rely on revenue from display ad impressions, Credit.com maintains a financial marketplace separate from its editorial pages. When someone navigates to those pages, and applies for a credit card, for example, Credit.com will get paid what is essentially a finder’s fee if that person ends up getting the card. That doesn’t mean, however, that our editorial decisions are informed by the products available in our marketplace. The editorial team chooses what to write about and how to write about it independently of the decisions and priorities of the business side of the company. In fact, we maintain a strict and important firewall between the editorial and business departments. Our mission as journalists is to serve the reader, not the advertiser. In that sense, we are no different from any other news organization that is supported by ad revenue.

Visitors to Credit.com are also able to register for a free Credit.com account, which gives them access to a tool called The Credit Report Card. This tool provides users with two free credit scores and a breakdown of the information in their Experian credit report, updated twice monthly. Again, this tool is entirely free, and we mention that frequently in our articles, because we think that it’s a good thing for users to have access to data like this. Separate from its educational value, there is also a business angle to the Credit Report Card. Registered users can be matched with products and services for which they are most likely to qualify. In other words, if you register and you find that your credit is less than stellar, Credit.com won’t recommend a high-end platinum credit card that requires an excellent credit score You’d likely get rejected, and that’s no good for you or Credit.com. You’d be no closer to getting a product you need, there’d be a wasted inquiry on your credit report, and Credit.com wouldn’t get paid. These are essentially what are commonly referred to as "targeted ads" in the world of the Internet. Despite all of this, however, even if you never apply for any product, the Credit Report Card will remain free, and none of this will impact how the editorial team reports on credit and credit scores.



Your Stories

Lastly, much of what we do is informed by our own experiences as well as the experiences of our readers. We want to tell your stories if you’re interested in sharing them. Please email us at story ideas [at] credit [dot] com with ideas or visit us on Facebook or Twitter.

Thanks for stopping by.

- The Credit.com Editorial Team