Brian Acton Gravatar

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.

4 Credit Cards to Make Your Commute Easier

Credit Cards

4 Credit Cards to Make Your Commute Easier

4 Credit Cards to Make Your Commute Easier

[Disclosure: Cards from our partners are reviewed below.] A rough commute can really add to the stress of a long workday. Crowded trains and buses, stop-and-go traffic, and the cost of gas can all contribute to daily frustration, but might be unavoidable depending on where you live and work. Some credit cards can help take... Read More

Dress to Impress with These 3 Credit Cards

Credit Cards

Dress to Impress with These 3 Credit Cards

Dress to Impress with These 3 Credit Cards

Office jobs often require you to maintain a professional image. And while dress codes aren’t as strict as they used to be, it never hurts to look sharp. If you’re interviewing for jobs or about to start with a new employer, you may need to upgrade your wardrobe. Some credit cards can save you money... Read More

4 Personal Credit Cards to Help Fund Your Side Hustle

Credit Cards

4 Personal Credit Cards to Help Fund Your Side Hustle

4 Personal Credit Cards to Help Fund Your Side Hustle

[Disclosure: Cards from our partners are reviewed below.] If you work a side hustle to earn extra cash outside of your full-time job, you should consider getting a credit card solely for your business expenses. This helps keep your business and personal life separate and makes it easier to report your business activity for federal... Read More

5 Credit Cards for Hosting Holiday Dinners

Uncategorized

5 Credit Cards for Hosting Holiday Dinners

5 Credit Cards for Hosting Holiday Dinners

[Disclosure: Cards from our partners are reviewed below.] The holiday season provides the perfect opportunity to entertain company. If you love hosting holiday parties, you know that feeding friends and family can quickly get expensive. Some credit cards can help, though, and can earn you cash back rewards on groceries and more. Here are five... Read More

3 Credit Cards with No Balance Transfer Fees

Credit Cards

3 Credit Cards with No Balance Transfer Fees

3 Credit Cards with No Balance Transfer Fees

[Disclosure: Cards from our partners are reviewed below.] If you need to pay down some troublesome credit card debt, but your card’s APR is making it difficult, you have some options, including transferring your existing balance to another credit card. Some cards have a 0% annual percentage rate (APR) offer for balance transfers. With this... Read More

Work from Home? These 5 Credit Cards Can Help

Credit Cards

Work from Home? These 5 Credit Cards Can Help

Work from Home? These 5 Credit Cards Can Help

[Disclosure: Cards from our partners are reviewed below.] Working from home conveys many benefits (most notably the absence of a commute), but distractions may abound. A home office can provide an interruption-free workspace within your residence. Unfortunately, the cost of setting up a home office can be prohibitive. Some credit cards can assist by providing... Read More

Avoid Home Service Scams with These 7 Tips

Personal Finance

Avoid Home Service Scams with These 7 Tips

Avoid Home Service Scams with These 7 Tips

Regular maintenance retains your home’s value and keeps you and your property safe. When you need home service and aren’t confident you can do it yourself, it can save time and frustration to call in a professional. Most contractors are honest, but hiring the wrong one leaves you vulnerable to shoddy workmanship or even fraud.... Read More

7 Ways to Protect Yourself as You Shop for the Holidays

Identity Theft

7 Ways to Protect Yourself as You Shop for the Holidays

7 Ways to Protect Yourself as You Shop for the Holidays

The holiday season is an enormous economic event, so much so that the National Retail Federation estimates that holiday shopping represents as much as 30% of a retailer’s annual sales. But as a consumer, increased spending can leave you more vulnerable to theft and fraud. However, there are steps you can take to guard against... Read More

Show Me More by Brian Acton

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.



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