How to Fix the Big Things You Hate About Your Credit Cards

Credit Cards

How to Fix the Big Things You Hate About Your Credit Cards

How to Fix the Big Things You Hate About Your Credit Cards

Credit cards may be in the wallets of most Americans, but not everyone is happy with their travel companion. The Consumer Financial Protection Bureau (CFPB) released its monthly snapshot of consumer complaints in the financial services industry this week. The report, which regularly focuses on a different financial product to highlight consumer complaint trends, focused... Read More

How to Find a Starter Home in a Hot Housing Market

Mortgages

How to Find a Starter Home in a Hot Housing Market

How to Find a Starter Home in a Hot Housing Market

An overheated real estate market is never good news for buyers in search of a budget-friendly starter home. But thanks to increased confidence in the economy, leading more people to make large purchases like new homes, that’s exactly the type of real estate market 2017 is ushering in. According to a recent report from the... Read More

4 Ways to Get Max Value From Discover Cash Back Rewards

Credit Cards

4 Ways to Get Max Value From Discover Cash Back Rewards

4 Ways to Get Max Value From Discover Cash Back Rewards

There are a lot of cash back rewards programs out there so it’s important to compare them and have a full understanding of what they each offer to make sure you find the one that is right for you. With that in mind, we thought we’d break down what the Discover Cash Back Rewards program... Read More

Freelancers: Here’s What You Need to Know About Getting a Mortgage

Mortgages

Freelancers: Here’s What You Need to Know About Getting a Mortgage

Freelancers: Here’s What You Need to Know About Getting a Mortgage

When my husband (then fiancé) and I began preparing to purchase our first home, I was a burden. I know what you’re thinking — my writing career as a freelancer simply must not have been generating enough money to allow me to contribute, and I needed to ride on the coattails of my fiancé’s full-time... Read More

8 Hotels Worth Visiting Just for the Food

Personal Finance

8 Hotels Worth Visiting Just for the Food

8 Hotels Worth Visiting Just for the Food

Most people think of hotel food as something to endure, not enjoy. At some places, it’s as bad as you’d find at a hospital. But when it comes to knockout ambience, killer cuisine and a world-class experience, some luxury hotels bring their A game. Here, we’ve rounded up eight worth visiting just for a meal, based on cursory research and... Read More

11 Ways to Save on Your Shocking Electric Bill

Personal Finance

11 Ways to Save on Your Shocking Electric Bill

11 Ways to Save on Your Shocking Electric Bill

The cost of powering your home and all your assorted appliances and devices can be significant. The price of everything, from running your air conditioner on hot days to charging your phone as you sleep, can add up. Getting a handle on your electric bill is important. While utility companies don’t typically report payments to... Read More

Can I Still Contribute to an IRA & Get a Tax Break for 2016?

Personal Finance

Can I Still Contribute to an IRA & Get a Tax Break for 2016?

Can I Still Contribute to an IRA & Get a Tax Break for 2016?

Individual Retirement Accounts (IRAs) are an excellent means to save for retirement. You have until the tax-filing deadline (generally April 15) to make a contribution to your IRA for the previous tax year. There are two types of IRAs: Traditional IRA and Roth IRA. The maximum contribution is the lesser of $5,500 ($6,500 for those... Read More

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Certain credit cards and other financial products mentioned in this and other articles on Credit.com News & Advice may also be offered through Credit.com product pages, and Credit.com will be compensated if our users apply for and ultimately sign up for any of these cards or products. However, this relationship does not result in any preferential editorial treatment.

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.

Our Owners

Credit.com is owned by Progrexion Holdings Inc. which is the owner and administrator of a number of business related to credit and credit repair, including CreditRepair.com, and eFolks. In addition, Progrexion also provides services to Lexington Law Firm as a third party provider. Despite being owned by Progrexion, it is not the role of the Credit.com editorial team to advocate the use of the company’s other services. In articles, reporters may mention credit repair as an option, for example, but we’ll also be sure to note the various alternatives to that service. Furthermore, you may see ads for credit repair services on Credit.com, but the editorial team isn’t responsible for the creation or implementation of those ads, anymore than reporters for the New York Times or Washington Post are responsible for the ads on their sites.

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