Landlords and Credit Checks: What You Should Know

Credit 101

Landlords and Credit Checks: What You Should Know

Landlords and Credit Checks: What You Should Know

Article Updated July 20, 2018 You’ve found the perfect place to rent, and now the property manager tells you all you need to do is fill out an application, so she can run a credit check—gulp. Whether you’ve got great credit, bad credit, or no credit, credit checks probably make you a little uneasy. What... Read More

How to Consolidate Your Debt

Managing Debt

How to Consolidate Your Debt

How to Consolidate Your Debt

Article Updated July 16, 2018. Are you trying to figure out how to consolidate your debt? One of our readers, Ricky, wrote on the Credit.com blog that he is “trying to consolidate bills since divorce to get back on track.” Another reader, Norma, wrote: “I have too much credit card debt with high interest. I... Read More

How Much Will One Late Payment Hurt Your Credit Scores?

Credit Score

How Much Will One Late Payment Hurt Your Credit Scores?

How Much Will One Late Payment Hurt Your Credit Scores?

Article Updated July 13, 2018 You open your statement and discover you’re late on your credit card payment. Or you get a call from a collection agency about a medical bill you forgot to pay. Or you check your credit reports and discover a late payment is marring your otherwise perfect payment history. What happens if you... Read More

The Money Advice College Grads Never Get

Personal Finance

The Money Advice College Grads Never Get

The Money Advice College Grads Never Get

Recent college graduates get a lot of advice from a lot of directions. Mom, Dad, school friends, crazy Uncle Harry, the Internet, Instagram. Get a job, take a European vacation, don’t buy a car, move somewhere new, buy a professional wardrobe, go to grad school, follow your dreams, take that job offer now. But you’ll... Read More

Budgeting for Your First Summer After Graduation

Personal Finance

Budgeting for Your First Summer After Graduation

Budgeting for Your First Summer After Graduation

Without the college experience you once took for granted — dorms, prepaid meals, parental bailouts, etc. — recent graduates are left to brave the tightrope of financial responsibility without a safety net. Post-grad life is as liberating as it is marked by destitution. For one, shortly after commencement, the burden of loan payments, bills, and... Read More

5 Steps to Protect Your Digital Identity in The Age of Breaches

Identity Theft

5 Steps to Protect Your Digital Identity in The Age of Breaches

5 Steps to Protect Your Digital Identity in The Age of Breaches

The record number of data breaches in 2017 (1,579 publicly-reported breaches to be exact) and the sensitivity of the data stolen (especially social security numbers and passwords) have led many to wonder how to protect themselves. Since I work in the identity protection industry, my friends and family have asked what recommendations they should follow... Read More

10 Tips to Manage Your Finances While You Job Hunt

Personal Finance

10 Tips to Manage Your Finances While You Job Hunt

10 Tips to Manage Your Finances While You Job Hunt

Nothing says adulting quite like hunting for your first post college job. Taking steps to embark on what should, by all indications, be an epic career journey, is equal parts exhilarating and terrifying. While there are a litany of resources available that can help you search, apply, and get hired for your dream job, there... Read More

5 Steps for Getting a Car Loan

Auto Loans

5 Steps for Getting a Car Loan

5 Steps for Getting a Car Loan

This Article was Updated July 5, 2018 When you are looking to buy a vehicle, the first thing you should do is apply for a preapproved loan. The loan process can seem daunting, but it’s easier than you think and getting preapproval prior to going to the car dealer may help alleviate a lot of... Read More

5 Little-Known Ways to Get Your Student Loans Forgiven

Student Loans

5 Little-Known Ways to Get Your Student Loans Forgiven

5 Little-Known Ways to Get Your Student Loans Forgiven

Article Updated July 3, 2018 If you feel burdened under the weight of student loan debt, we have some good news: you may be able to get those student loans forgiven. In 2017, the Consumer Financial Protection Bureau released a report estimating that up to one in four Americans may be eligible for the Public Service Loan Forgiveness program,... Read More

What Does Charged Off Mean?

Credit 101

What Does Charged Off Mean?

What Does Charged Off Mean?

Article Updated by June 29, 2018 Finding the words charged off on your credit report isn’t good news. It can be scary and confusing when you don’t understand what it means or how it happened. The name itself isn’t helpful either. People often misinterpret the meaning, which can lead to more costly mistakes with your credit. Learning... Read More

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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).

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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.

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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.

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- The Credit.com Editorial Team