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Bev O'Shea

Editor |  In Personal Finance, Credit Score

Bev O’Shea lives and works in the foothills of the Appalachians. A former editor of MSN’s Smart Spending blog, she’s a fan of sunsets, college football and free shipping.

The Hidden Bonus of Paying Off Credit Card Debt

Managing Debt

The Hidden Bonus of Paying Off Credit Card Debt

The Hidden Bonus of Paying Off Credit Card Debt

In theory, nobody wants to be in debt. But when credit card bills arrive, we don’t exactly rush to pay them. And when we do, we may not pay the full balance. Understandably, we don’t want to be separated from our money. We earned that money, it’s hard to see it come into your bank... Read More

Average Price for Thanksgiving Dinner? About $5 a Person

Personal Finance

Average Price for Thanksgiving Dinner? About $5 a Person

Average Price for Thanksgiving Dinner? About $5 a Person

The price for a traditional turkey and trimmings crossed the $50 mark for the first time this year, according to the American Farm Bureau Federation. Here’s what they had on the menu designed to feed 10 people: a 16-pound turkey, bread stuffing, sweet potatoes, rolls with butter, peas, cranberries, carrots and celery, pumpkin pie with whipped cream, coffee... Read More

Can My Bankruptcy Show Up on My Kid’s Credit Report?

Credit Score

Can My Bankruptcy Show Up on My Kid’s Credit Report?

Can My Bankruptcy Show Up on My Kid’s Credit Report?

A dad who has recovered from money troubles is hoping to help his teen daughter start her financial life with the benefit of a good credit score by adding her as an authorized user to his credit card, but he’s worried that his past could come back to haunt her. “I want to put my daughter,... Read More

3 Ways to Say ‘No’ When Your Adult Kid Asks for Money

Personal Finance

3 Ways to Say ‘No’ When Your Adult Kid Asks for Money

3 Ways to Say ‘No’ When Your Adult Kid Asks for Money

You’ve heard it a thousand times: Take care of your retirement needs first, then consider whether you can afford to help an adult child financially. It’s like putting the oxygen mask on yourself before assisting your young child on a plane, they say, and then … the word “no” somehow gets stuck in your throat.... Read More

Why You Should Think Twice About Using Your Debit Card for Holiday Shopping

Personal Finance

Why You Should Think Twice About Using Your Debit Card for Holiday Shopping

Why You Should Think Twice About Using Your Debit Card for Holiday Shopping

It’s easy to understand why someone would want to keep holiday spending from plunging them into debt — or making existing credit card debt even worse. That’s probably why about two in five shoppers (39%) plan to use debit cards this season, according to the National Retail Federation’s Holiday Consumer Spending Survey. That’s incrementally more than... Read More

3 Steps to Take When Your Credit Card Goes Missing

Credit Cards

3 Steps to Take When Your Credit Card Goes Missing

3 Steps to Take When Your Credit Card Goes Missing

Opening your wallet to pull out a certain credit card (matching rewards with purchases) can make you feel smart. But not being able to find that card — or worse, not being able to find your wallet — is an entirely different experience. During the busy holiday season, this scenario can happen more often than you think. (People... Read More

What’s the Difference Between a Home Equity Loan & a HELOC?

Mortgages

What’s the Difference Between a Home Equity Loan & a HELOC?

What’s the Difference Between a Home Equity Loan & a HELOC?

If you have a mortgage and some home equity, you may wish you could somehow tap into that equity to pay bills — particularly when you have a big expense. And in many cases, you can. Occasions when you might want to do that include: paying college tuition, buying new home appliances, paying for a... Read More

Should You Be Worried About a Thanksgiving Turkey Shortage?

Personal Finance

Should You Be Worried About a Thanksgiving Turkey Shortage?

Should You Be Worried About a Thanksgiving Turkey Shortage?

You may have heard earlier this year that there was going to be a turkey shortage because of an outbreak of Avian flu last spring. A widespread shortage didn’t come to pass, but it’s still time to get serious about shopping. In fact, if you are looking for a Heritage turkey — one descended from... Read More

Can a Debt Collector Come After Me for a Business Debt?

Managing Debt

Can a Debt Collector Come After Me for a Business Debt?

Can a Debt Collector Come After Me for a Business Debt?

We sometimes hear from readers who want to know if it’s legal for a debt collector to come after their personal accounts (or possessions) because of a business debt. They’ve taken on debt to start a business, and then things haven’t gone as planned. And now a debt collector is threatening to come after their... Read More

Help! I Was Rejected for a Secured Credit Card

Credit Cards

Help! I Was Rejected for a Secured Credit Card

Help! I Was Rejected for a Secured Credit Card

Having to apply for a secured credit card because you have too little credit experience or too low of a credit score to qualify for a regular, unsecured one can be disappointing. But getting a thin envelope with a rejection — and no card — is even worse. What can you do if an issuer won’t give you... Read More

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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).

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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.

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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

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- The Credit.com Editorial Team