Can You Check Your Child’s Credit Report?

Identity Theft

Can You Check Your Child’s Credit Report?

Can You Check Your Child’s Credit Report?

There seems to be no shortage of valuable information about “adult” identity theft, including a vast amount of crime statistics and prevention advice, yet such information about ID thieves targeting children — though at times equally damaging to the victim and often taking much longer to resolve — has received much less of the spotlight.... Read More

Could the Government Mandate Free Credit Scores?

Credit Score

Could the Government Mandate Free Credit Scores?

Could the Government Mandate Free Credit Scores?

This year marks the 10th anniversary of the groundbreaking Fair and Accurate Credit Transactions Act of 2003 (FACTA or FACT Act) that granted all consumers the right to obtain a free annual credit report from each of the three major credit bureaus through  AnnualCreditReport.com. Yet despite there being no shortage of free credit score offers... Read More

The Ultimate Guide to the New VantageScore

Credit Score

The Ultimate Guide to the New VantageScore

The Ultimate Guide to the New VantageScore

When looking for your credit scores, you may have seen VantageScore and wondered what it is, and if it’s different from other scores. Actually, there are some key differences in the VantageScore, and it’s helpful to you, the consumer, to know what they are, as well as what the score means in general for you.... Read More

How Credit Scores Predict Your Behavior

Credit Score

How Credit Scores Predict Your Behavior

How Credit Scores Predict Your Behavior

Credit scores, as with most attempts to make sense of our world, operate on the assumption that the near future will look a lot like the recent past, and that going forward, people can be expected to behave pretty much as they always have. That is, credit scores base their predictions of the future on... Read More

Credit Reports vs. Credit Scores: What’s the Difference?

Credit 101

Credit Reports vs. Credit Scores: What’s the Difference?

Credit Reports vs. Credit Scores: What’s the Difference?

The credit experts at Credit.com write frequently about the importance of consumers understanding credit reports and credit scores. And for good reason, as the better your credit report, the better your credit score; and the better the credit terms that will be available to you, whether a mortgage, auto loan, or credit card. Yahoo! Analytics... Read More

How Student Loans Can Keep You From Buying a Home

Mortgages

How Student Loans Can Keep You From Buying a Home

How Student Loans Can Keep You From Buying a Home

As student loans take on an increasing presence among the 20-something generation of college graduates who have traditionally made up a high proportion of first-time homebuyers, the impact of student loan debt on a mortgage application becomes increasingly important — especially as about two-thirds of college seniors who graduated in 2011 had student loan debt... Read More

Why Your Credit Score Is So Bad

Credit Score

Why Your Credit Score Is So Bad

Why Your Credit Score Is So Bad

A Credit.com reader named Roger recently took me to task for my blog post, How to Decode Your Credit Score, that focused only on high credit scores and neglected some of the common reason codes that accompany lower credit scores: What about reason codes: Serious delinquency and or public record or collection filed. Time since... Read More

5 Financial Tips for Freshmen

Students

5 Financial Tips for Freshmen

5 Financial Tips for Freshmen

As graduation time nears for college-bound high school seniors, it’s also time for those college acceptance letters to start rolling in, and time to let the planning begin. While understandably caught up in the academic, housing and financial hoopla of planning for college, one all-important, but often overlooked part is planning for the safest, most... Read More

5 Money Tips That Aren’t Absolutes

Personal Finance

5 Money Tips That Aren’t Absolutes

5 Money Tips That Aren’t Absolutes

Back in the day, if you needed something expensive you just saved for it. Or, you put it on layaway, or maybe joined your bank’s Christmas Club. (Kids, ask your parents.) You also may have saved for your children’s college education or your annual vacation. The prevailing attitude among financially responsible people was that “if... Read More

Help! They Closed My Credit Card Account

Credit Cards

Help! They Closed My Credit Card Account

Help! They Closed My Credit Card Account

The experts at Credit.com recently received this email from a reader who experienced several unpleasant — and confusing — credit surprises. Here, we help unravel the mystery of the closed credit account and the shrinking credit score: My husband and I short sold a rental home about 18 months ago. We had an unpaid 2nd... Read More

Show Me More by Barry Paperno

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