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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.

Our Top 5 Credit Card Picks for Fall Landscaping Projects

Credit Cards

Our Top 5 Credit Card Picks for Fall Landscaping Projects

Our Top 5 Credit Card Picks for Fall Landscaping Projects

[Disclosure: Cards from our partners are reviewed below.] With cooler weather and better planting conditions, fall is the perfect time of year for a landscaping project. But whether you’re sprucing up your garden or aiming to improve your home’s curb appeal, the expense of a large outdoor project can be daunting. Some credit cards can... Read More

4 Credit Cards for Food Delivery Drivers

Credit Cards

4 Credit Cards for Food Delivery Drivers

4 Credit Cards for Food Delivery Drivers

[Disclosure: Cards from our partners are reviewed below.] With the rise of food delivery apps and casual dining restaurants, there are more ways than ever to make a living in food delivery. But one major drawback of delivery driving—the cost of fuel—prevails. Some credit cards can help delivery drivers put cash back in their pockets... Read More

12 Tips for Saving Money at Fancy Restaurants

Personal Finance

12 Tips for Saving Money at Fancy Restaurants

12 Tips for Saving Money at Fancy Restaurants

An expertly prepared meal at a restaurant is one of life’s great pleasures. When it’s delivered in a great atmosphere with attentive service, the experience is elevated even further. But fine dining establishments can be prohibitively expensive. If you love fancy restaurants but hate getting the check, here are twelve tips to help you save... Read More

Boost Your Blockbuster Budget: 3 Credit Cards for Movie Lovers

Credit Cards

Boost Your Blockbuster Budget: 3 Credit Cards for Movie Lovers

Boost Your Blockbuster Budget: 3 Credit Cards for Movie Lovers

[Disclosure: Cards from our partners are reviewed below.] Movie lovers know there are few greater pleasures than watching a good cinematic adventure unfold on screen. No matter your favorite genre or preferred viewing venue, some credit cards can further enhance that experience. These cards reward movie purchases or provide access to unique film experiences, giving... Read More

Credit Cards for Bad Credit: Best of 2017

Credit Cards

Credit Cards for Bad Credit: Best of 2017

Credit Cards for Bad Credit: Best of 2017

[DISCLOSURE: Cards from our partners are mentioned below.]  If you have bad credit, you may think you’re automatically unqualified for credit cards that offer cash back or travel rewards. For many cards, that may be true. But you’re not necessarily locked out of earning rewards completely. While most credit cards for people with poor credit... Read More

4 Wholesale Club Credit Cards for Savvy Shoppers

Credit Cards

4 Wholesale Club Credit Cards for Savvy Shoppers

4 Wholesale Club Credit Cards for Savvy Shoppers

[Disclosure: Cards from our partners are reviewed below.] For the cost of an annual membership fee, wholesale clubs offer deals on groceries, gas, and more. These stores stock a much greater variety of goods than your average neighborhood supermarket or specialty retailer, and you can even order big-ticket items online. Many wholesale clubs offer their... 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.

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