How to Stay on Budget With a Home Renovation

Personal Finance

How to Stay on Budget With a Home Renovation

How to Stay on Budget With a Home Renovation

Giving your home a makeover is one of the most satisfying things you can do. There’s nothing like starting with a vision of what your house could become, working hard to make it happen, and then seeing the results right in front of your eyes. And not only is it satisfying, it can be potentially... Read More

How to Get Out of Debt: The Real Secret

Personal Finance

How to Get Out of Debt: The Real Secret

How to Get Out of Debt: The Real Secret

In my time working at a company called ReadyForZero that helps people get out of debt, I’ve come to a realization: while there are many actions that you can take to get out of debt, there is only one overarching secret to it, and that secret is … break the large problem (your debt) down... Read More

7 Key Money Lessons for 20-Somethings

Personal Finance

7 Key Money Lessons for 20-Somethings

7 Key Money Lessons for 20-Somethings

It’s a hard time to be a 20-something. The world has concocted a troubling cocktail of economic trends and turned them loose against today’s young people one after another, almost as if to say, “How will you respond to this?” First there was the long-term stagnation of middle-class wages during the past three decades. Then... Read More

How to Make a Budget From Scratch

Personal Finance

How to Make a Budget From Scratch

How to Make a Budget From Scratch

The difference between people who are financially secure and those who are not often comes down to one thing: Whether or not they make a budget — and stick to it. Of course, there are many other factors, but that is a consistent one. Not only does budgeting lead to security, but it also can... Read More

How to Save More Money This Month

Personal Finance

How to Save More Money This Month

How to Save More Money This Month

We all want to save more money. After all, none of us like the feeling of looking at our bank account (or under our mattress) and realizing that we have no money left and our next paycheck is still a week away. By saving a few dollars here and there, we can get some breathing... Read More

4 Steps to Help You Pay Off Your Student Loans

Students

4 Steps to Help You Pay Off Your Student Loans

4 Steps to Help You Pay Off Your Student Loans

Student loan debt is a huge problem these days. The total amount of U.S. student loan debt has reached about $1 trillion and the average amount owed is $25,000. Surprisingly, the majority of student loan holders are over 30 years old — which means a lot of people (not just 20-somethings) are being limited by... Read More

How to Pay Off A Mountain of Credit Card Debt

Managing Debt

How to Pay Off A Mountain of Credit Card Debt

How to Pay Off A Mountain of Credit Card Debt

Credit card debt is a big problem in America today. One recent study found that 1 in 4 people have more credit card debt than savings. Households with credit card debt on average have about $15,000 in debt, and that makes it incredibly hard to make ends meet — let alone pursue dreams for the... Read More

Renting or Owning a Home: What’s Right for You?

Mortgages

Renting or Owning a Home: What’s Right for You?

Renting or Owning a Home: What’s Right for You?

At this time, when housing prices are starting to rebound and interest rates are still very low, a lot of people are saying that you should buy a house in 2013. But is homeownership the right choice for your finances? The answer of course, is “it depends.” However, for many of us there is a... Read More

Spring Cleaning: How to Organize Your Finances

Personal Finance

Spring Cleaning: How to Organize Your Finances

Spring Cleaning: How to Organize Your Finances

Spring has traditionally been a time for cleaning our homes and clearing away the clutter that has accumulated throughout the winter. It’s a satisfying approach to the season because it gives us the feeling of starting fresh. There’s no better way to put a spring in your step (no pun intended) than by freeing yourself... Read More

How to Live Like a Money Expert

Personal Finance

How to Live Like a Money Expert

How to Live Like a Money Expert

While money experts seem to have their finances all figured out, we know by their own confessions that many of them were once like us — in debt and trying to get out, knowing that a budget is important, but not fully keeping to it.  But how exactly did they reach their financial goals, then?... Read More

Show Me More by Benjamin Feldman

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