How Your Smartphone Can Help Pay for Itself

Personal Finance

How Your Smartphone Can Help Pay for Itself

How Your Smartphone Can Help Pay for Itself

Wouldn’t it be nice if your phone could help pay for itself? Or at least help ease the burden of monthly bills and other expenses? Turns out, there is a way to earn a small return for simply possessing and using a smartphone. A handful of companies pay you to install their market-research apps on your phone... Read More

5 Tips for Splitting Bills With Roommates

Personal Finance

5 Tips for Splitting Bills With Roommates

5 Tips for Splitting Bills With Roommates

There are many benefits that come with roommates: the ability to rent a larger space, share cleaning duties, and easily find friends to watch a movie with. On the other hand, sharing a space with a roommate – or roommates – is not always easy and can bring on some challenges, especially when it comes to... Read More

The Best Investment for Your Lump Sum

Personal Finance

The Best Investment for Your Lump Sum

The Best Investment for Your Lump Sum

Money doesn’t usually come out of nowhere, but when it does, it’s nice to have some idea of how to use it. Whether your lump sum arrived as a tax return, a bonus, an inheritance or a larger-than-expected gift from a family member, Shelly-Ann Eweka, a Denver-based financial adviser with TIAA, has suggestions on what to... Read More

The 50 Best Beaches in America

Personal Finance

The 50 Best Beaches in America

The 50 Best Beaches in America

If you’re planning a beach getaway this year, you may still be wondering where you want to go and what destination will offer the most bang for your buck. Or sand for your dollars. Or just sand dollars. That’s why we’ve compiled a list of 50 of our favorite destinations from all over the country.... Read More

5 Credit Cards That Take the Bite out of Pricey Pet Bills

Credit Cards

5 Credit Cards That Take the Bite out of Pricey Pet Bills

5 Credit Cards That Take the Bite out of Pricey Pet Bills

[Disclosure: Cards from our partners are mentioned below.] Your pets are more than just cute — they’re members of the family. Like any family member, you want to keep them happy and healthy. But the cost of pet food, veterinarian visits, medication and other supplies can add up. Some credit cards make spending on your pet a... Read More

5 Ways Gyms Trick You Into Spending More Money

Personal Finance

5 Ways Gyms Trick You Into Spending More Money

5 Ways Gyms Trick You Into Spending More Money

A monthly charge of $10 to $30 seems like a small price to pay for getting in shape — and it can be, if you stick to the treadmill, visit your club regularly and avoid getting hurt. Still, there are reasons why gyms can offer memberships at such a low cost: They generally find ways to supplement... Read More

Show Me 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