Are Your Connected Devices Safe?

Identity Theft

Are Your Connected Devices Safe?

Are Your Connected Devices Safe?

The number of Internet of Things (IoT) devices in use is forecasted to hit 8.4 billion this year. That’s more than the human population on planet Earth. And with successful attacks like Mirai (which was the malware used in the 2016 Dyn cyberattack) already a part of the IoT story, there’s plenty to worry about.... Read More

5 Ways to Negotiate with Your Credit Card Company

Credit Cards

5 Ways to Negotiate with Your Credit Card Company

5 Ways to Negotiate with Your Credit Card Company

Even if you are paying your credit card bills on time, you may still be looking at your statements each month in distress. It’s all there in black and white: the interest rate, the annual fees, and maybe even the occasional-but-hefty late charge. If you feel stressed when opening your credit card statements, it may... Read More

How to Get Unemployment Benefits: 3 Expert Tips If You’re Out of Work

Personal Finance

How to Get Unemployment Benefits: 3 Expert Tips If You’re Out of Work

How to Get Unemployment Benefits: 3 Expert Tips If You’re Out of Work

For millions of Americans, unemployment benefits provide a lifeline that lets them keep the wolf from the door. But collecting those benefits isn’t always simple. Unemployment claims are often denied, and sometimes for avoidable reasons. But first, let’s answer some basic questions you might have. What Are Unemployment Benefits? Americans who find themselves without a... Read More

7 Hacks for Using the Capital One Venture Miles Program

Credit Cards

7 Hacks for Using the Capital One Venture Miles Program

7 Hacks for Using the Capital One Venture Miles Program

[UPDATE: Some offers mentioned below have expired. You can view the current offers from our partners here — Capital One Venture Rewards and Capital One VentureOne Rewards. DISCLOSURE: Cards from our partners are mentioned below.] Over the past decade, the Capital One Venture Miles program with the Capital One Venture cards has become quite popular. Not only has... Read More

4 Credit Cards for Food Delivery Drivers

Credit Cards

4 Credit Cards for Food Delivery Drivers

4 Credit Cards for Food Delivery Drivers

[Disclosure: Cards from our partners are reviewed below.] With the rise of food delivery apps and casual dining restaurants, there are more ways than ever to make a living in food delivery. But one major drawback of delivery driving—the cost of fuel—prevails. Some credit cards can help delivery drivers put cash back in their pockets... Read More

What Happens When You Submit a Credit Report Dispute

Credit Score

What Happens When You Submit a Credit Report Dispute

What Happens When You Submit a Credit Report Dispute

Finding a mistake on your credit report can be frustrating. Unfortunately, according to a Credit.com survey of credit report awareness, one in five consumers (21%) who have seen their credit reports say they found inaccurate information on their reports. Not only is that a lot of frustration, but the error may also have a negative... Read More

Can You Pay a Credit Card With a Credit Card?

Credit Cards

Can You Pay a Credit Card With a Credit Card?

Can You Pay a Credit Card With a Credit Card?

[Update: Some offers mentioned below have expired. For current terms and conditions, please see card agreements. Disclosure: Cards from our partners are mentioned below.] Store credit cards from retailers like Lowe’s, Best Buy, and Target can be enticing to sign up for. Once you are approved, the cashier is often empowered to offer you an immediate... Read More

12 Tips for Saving Money at Fancy Restaurants

Personal Finance

12 Tips for Saving Money at Fancy Restaurants

12 Tips for Saving Money at Fancy Restaurants

An expertly prepared meal at a restaurant is one of life’s great pleasures. When it’s delivered in a great atmosphere with attentive service, the experience is elevated even further. But fine dining establishments can be prohibitively expensive. If you love fancy restaurants but hate getting the check, here are twelve tips to help you save... Read More

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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.

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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.



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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