For the artist in all of us, Michaels is a craft-lover’s dream. While you’re bound to find great deals at the store already, there are still other ways to save even more cash when you shop. Here are 17 ways to save at Michaels. 1. Visit the Website Coupons abound directly on the home page... Read More
For years, the standard financial advice for couples was to combine their finances. All income, debts and expenditures belong to both parties, so why not put them together? Combining finances makes sense for many reasons, but not everyone wants to take this direction. If you’re preparing to tie the knot, you might wonder which option is... Read More
Running your own business is an unpredictable adventure with highs, lows, twists and turns. And while you’ll weather much of what comes along, you will also make mistakes. Why not minimize missteps by listening to the advice of those who have come before you? Here are 15 tips from successful entrepreneurs on being efficient, keeping... Read More
Nothing beats the feeling of trying on a new outfit, but sometimes all your wardrobe needs is a breath of fresh air. Like breathing, refreshing your wardrobe is free. “Free” is in my top five favorite words and if you’re into saving big bucks, it’s probably one of your favorite words, too. This is also the perfect... Read More
Creating a business plan is an essential step in getting a new company off the ground. Writing this document helps founders not only evaluate their goals, but also communicate them to other people, especially investors. A good business plan can be the difference between funding your dreams on business credit cards and personal savings or... Read More
Student loans are designed to help college students afford an education and build their future. But they may also cause problems down the road. The sooner you pay down your student loan debt, the better. Not only does it save you on interest if you make extra payments, it can also shorten your repayment term... Read More
Every college student is familiar with the struggle of budgeting. Between tuition, housing and dining hall meal plans, college doesn’t come cheap. Unfortunately, many of these mandatory expenses make college students pressed for money the moment they step on campus. According to the National Center for Education Statistics about 85% of four-year college students receive... Read More
Like parades and fireworks, Independence Day cookouts are a holiday tradition. But hosting one can get pricy if you don’t watch your budget. Here are some tips for hosting a fabulous cookout this Fourth of July without going broke, courtesy of Sarah Spigelman Richter, a food reporter based in Manhattan. 1. Think Quality Over Quantity You may think you’re getting a... Read More
Thieves lurk in the physical and virtual world, looking for ways to access your credit card number or commit identity theft. Whether you shop online or in brick-and-mortar stores, it’s wise to take steps to protect yourself against fraud. Credit card companies have many tools to help combat credit card fraud, and sometimes offer additional security features... Read More
So you have some debt that you need to pay off. If you listen to the advice of many get-out-of-debt gurus, you should pay it off as quickly and intensely as possible. They say you should never set foot in a restaurant, go on vacation, or do anything “extra” until the last credit card and... Read 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.
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
Kali Geldis
Jim Wang
Christine DiGangi
Bob Sullivan
Trae Bodge
Leslie Tayne
Paige DiFiore
Michael Schreiber
Jill Krasny
Jeff Rose
Gerri Detweiler
Karin Price Mueller
Mitchell D. Weiss
Clark Randall
Tracie Fobes
Mia Taylor
Myles Ma
Adam Levin
Cheryl Lock
Scott Sheldon
Brian Acton
Brian Kuhn
Constance Brinkley-Badgett
Brooke Niemeyer
Jeanne Kelly
Nick Jarman
