How to Really Budget for a Staycation

Personal Finance

How to Really Budget for a Staycation

How to Really Budget for a Staycation

Whether you’re dreaming of an hour-long massage or lazy days lounging under the summer sun, you’ll want to budget wisely for your staycation. After all, you’ve worked hard for this well-deserved treat, and the last thing you want is for your savings account to plummet just when you’ve begun to relax. (Overspending can also tank your credit if you... Read More

How to Save Money to Start Your Own Business

Personal Finance

How to Save Money to Start Your Own Business

How to Save Money to Start Your Own Business

Starting a business almost always takes money. When saving up to make the self-employment switch, financial expert Edward Kohlhepp, CFP from Doylestown, Pennsylvania, recommends that you don’t sell yourself short. “Don’t stop when you have enough to just buy the business,” he says. “You’ll need money for operating expenses such as taxes, rent and payroll,... Read More

I Have a World Elite MasterCard: What Does That Get Me?

Credit Cards

I Have a World Elite MasterCard: What Does That Get Me?

I Have a World Elite MasterCard: What Does That Get Me?

[Disclosure: Cards from our partners are mentioned below.] When you are searching for a new credit card, you tend to be drawn into the information the credit card companies want you to see. They highlight the signup bonus, the ability to earn rewards on purchases, and the annual fees. But your card might have other... Read More

13 Confusing Student Loan Terms You Need to Know

Students

13 Confusing Student Loan Terms You Need to Know

13 Confusing Student Loan Terms You Need to Know

There’s no need to sugarcoat it: Student loans are complicated, and everyone from new borrowers to those who’ve been paying them for more than a decade find them confusing. As much as you might want to not think about them, it’s important you understand your student loans, and that starts with knowing the meaning of the terms... Read More

6 Vital Things Parents Need to Know About Student Loans

Students

6 Vital Things Parents Need to Know About Student Loans

6 Vital Things Parents Need to Know About Student Loans

About 3.5 million high school students are expected to graduate from high school this spring, and most will go to college. While this a proud moment for students and parents, many families are stressed about how to pay for school in the fall. Before helping your child take out loans — or taking out loans... Read More

5 Hotels Where Pets Get Treated Like Royalty

Personal Finance

5 Hotels Where Pets Get Treated Like Royalty

5 Hotels Where Pets Get Treated Like Royalty

Vacations are often a family affair, but we typically leave our pets at home. While they’re stuck in a kennel or with a sitter at home, we’re off in Tahiti, cocktail in hand, living the good life. Why not let Fido or Whiskers in on the fun? A number of hotels have warmed up to the idea of... Read More

Here’s How to Prepare Your Credit for a Job Search

Credit 101

Here’s How to Prepare Your Credit for a Job Search

Here’s How to Prepare Your Credit for a Job Search

Conducting a job search after graduating from college can seem like a monumental task, one filled with challenges and uncertainties. But here’s one thing recent grads shouldn’t be uncertain about when embarking on the journey to secure a job — what’s on their credit report. Just as hours and days are devoted to creating a... 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