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Brian Acton

Contributor |  In Credit Score

Brian Acton is a freelance writer and contributor at Credit.com. Several years ago, as he worked to pay down debt and purchase a home, Brian became interested in personal finance and credit. He has been covering these topics ever since. Brian has a BA in History from Salisbury University and an MBA from UMUC. He lives in Maryland with his wife and two dogs.

Credit Cards with Authorized User Bonuses

Credit Cards

Credit Cards with Authorized User Bonuses

Credit Cards with Authorized User Bonuses

[Disclosure: Cards from our partners are reviewed below.] Adding an authorized user to your credit card account comes with a few advantages. You can share your account with a trusted loved one, help them build credit, and even reap rewards as they use your card. Some credit cards offer additional incentives in the form of... Read More

3 Credit Cards You Can Use to Stock Your Wardrobe

Credit Cards

3 Credit Cards You Can Use to Stock Your Wardrobe

3 Credit Cards You Can Use to Stock Your Wardrobe

[Disclosure: Cards from our partners are reviewed below.] Whether you’re a fashion-focused socialite or a busy parent with growing kids, clothing expenses can make up a big chunk of your overall spending. Some credit cards can help you afford clothes and earn rewards as you shop for fresh threads. Here are three credit cards you... Read More

Four Credit Cards with Online Rewards Marketplaces

Credit Cards

Four Credit Cards with Online Rewards Marketplaces

Four Credit Cards with Online Rewards Marketplaces

[Disclosure: Cards from our partners are reviewed below.] Rewards credit cards already offer consumers a way to earn cash back, travel credits, and other benefits as they spend. But some credit card issuers go a step further and offers consumers access to online marketplaces where customers can shop at leading brands and gain exclusive discounts... Read More

5 Credit Cards to Help You Rent Out Your Home to Travelers

Credit Cards

5 Credit Cards to Help You Rent Out Your Home to Travelers

5 Credit Cards to Help You Rent Out Your Home to Travelers

[Disclosure: Cards from our partners are reviewed below.] Vacation rental websites like Airbnb and VRBO makes it easy to rent your home to traveler and turn your property into a revenue-generating business. An entire home or even a spare room can be transformed into a cash cow. But the costs of making your home renter-friendly—including... Read More

3 Credit Cards for Stand-Up Comedy Lovers

Credit Cards

3 Credit Cards for Stand-Up Comedy Lovers

3 Credit Cards for Stand-Up Comedy Lovers

[Disclosure: Cards from our partners are reviewed below.] Great stand-up comedy is a true art form, and talented performers keep audiences enthralled with carefully honed material and clever punch lines. But if you love stand-up, you know that live shows or televised comedy specials can sometimes cost an arm, leg, and funny bone. Some credit... Read More

3 Credit Cards That Reward Your Streaming Subscriptions

Credit Cards

3 Credit Cards That Reward Your Streaming Subscriptions

3 Credit Cards That Reward Your Streaming Subscriptions

[Disclosure: Cards from our partners are reviewed below.] Streaming entertainment services offer subscribers a virtually bottomless well of entertainment—whether you love movies, TV shows, or music. And while they’re cheap compared to the movie theater and record store, subscription services do add on to your entertainment budget. Some credit cards can negate these costs by... Read More

5 Credit Cards for Car Maintenance

Credit Cards

5 Credit Cards for Car Maintenance

5 Credit Cards for Car Maintenance

[Disclosure: Cards from our partners are reviewed below.] If you want to keep your ride in tip-top shape, you perform regular maintenance. After all, the last thing you want is for your car to break down, leaving you stranded on the side of the road. Whether you prefer to do it yourself or call a... Read More

4 Credit Cards That Offer Price Protection

Credit Cards

4 Credit Cards That Offer Price Protection

4 Credit Cards That Offer Price Protection

[Disclosure: Cards from our partners are reviewed below.] Many credit card issuers offer a price protection feature that can help you save on purchases even after your transaction has been completed. When an item you purchased on your card is listed for a lower price within a certain time frame, cards with price protection may... Read More

Got a Discover Card? Save More with the Discover Deals Platform

Credit Cards

Got a Discover Card? Save More with the Discover Deals Platform

Got a Discover Card? Save More with the Discover Deals Platform

Discover’s lineup of credit cards offers something for shoppers of all kinds. There’s a card designed for students, a card for frequent travelers, and cards that earn cash back on all purchases. Smart shoppers can make their cards go further with Discover Deals, the online shopping platform that offers exclusive discounts to Discover cardholders and... Read More

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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.

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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.

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.



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.

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- The Credit.com Editorial Team