Many people consider buying a house to be the finish line after conquering the hurdles of debt. But that doesn’t always have to be the case. Yes, buying a house is one of the more difficult achievements, especially when you’re sitting on a mound of debt, but that doesn’t mean it’s impossible. You can buy... Read More
Managing your finances is never simple, but a divorce can make it far more complex. In addition to the emotional turmoil a divorce can cause in a person’s life, it can also cause a lot of financial upheaval. By establishing a plan and relying on professional help where necessary, you can ensure your best possible... Read More
If you need relief from your high-interest loans or credit card debt, you may be considering a personal loan. Offered by many banks and credit unions, personal loans let you consolidate or refinance your debt into a lower-interest loan with one fixed monthly payment. While they do have some disadvantages – personal loans often have... Read More
If you’re a parent old or new, you may have heard of, or even already contribute to, a 529 savings plan. For those who have never heard of this, the 529 savings plan was started in the 1990s to help parents begin to save for an increasingly expensive higher education for their children. Currently, not... Read More
It’s an age-old question: Is life harder or easier for today’s young people? Well, score a “win” for the millennials. Younger adults are spending a stunning amount of money on rent — $93,000 by age 30, according to a new study. More important, rent sucks up about 45% of their income during this first, critical... Read More
For one reason or another, life has given you lemons, and you’re in serious debt. Now, it’s time to make lemonade. The best thing to do with facing collections is to do a little proactive, focused legwork. Collections can be scary, but don’t panic. Follow these 10 tips to prevent serious credit or financial damage... Read More
The weather is finally warming up, and its time to start planning your first backyard party of the season. But hosting epic BBQs can get pricey, especially when you frequently entertain. Luckily, it’s easy to slash the costs of your spring and summer shindigs. Here are ten ways to throw an epic BBQ on a... Read More
Clearing out clutter from your home is a great way to start spring cleaning. But before you start throwing stuff away, you should consider the potential value of unwanted items. With a few extra steps, you can give your clutter a second life and earn some money doing it. Here are seven ways to turn... Read More
The term “alternative medicine” is very broad, encompassing a range of practices, products, and passions. And, therein lies the problem. Some have been in use for centuries — yoga, acupuncture, meditation, herbal remedies — while others involve concepts and technology only recently developed. National and international laws regarding what qualifies as “healthcare” and who is... Read More
Finding ways to save money is an important part of a healthy and stable financial picture. And, if you’re wondering how to repair credit or maintain a good credit score, every little bit you can save is a step in the right direction. No matter what your financial goals, saving money is always smart. But... Read More
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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
Bob Sullivan
Josh Smith
Mia Taylor
Taylor White
Brian Acton
Elisa Ortiz
Adam Levin
