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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.

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

Discover’s New Social Security Alert Feature: What Does It Do?

Credit Cards

Discover’s New Social Security Alert Feature: What Does It Do?

Discover’s New Social Security Alert Feature: What Does It Do?

[Disclosure:  Cards from our partners are reviewed below.] Earlier this summer, Discover rolled out a free service to help protect its cardholders from identity theft. This service alerts cardholders when their Social Security numbers have been compromised and left vulnerable to criminals. This feature is a natural fit for a credit card industry that increasingly... Read More

6 Credit Cards to Help Furnish Your First Apartment

Credit Cards

6 Credit Cards to Help Furnish Your First Apartment

6 Credit Cards to Help Furnish Your First Apartment

[Disclosure: Cards from our partners are reviewed below.] Moving into your first apartment can be both thrilling and nerve-racking. It’s exciting to get a place of your own, but you’ve got to figure out how to afford all the stuff you need to make it a home—including furniture, appliances, and décor, not to mention the... Read More

4 Credit Cards to Help Teachers Stock Their Classrooms

Credit Cards

4 Credit Cards to Help Teachers Stock Their Classrooms

4 Credit Cards to Help Teachers Stock Their Classrooms

[DISCLOSURE: Cards from our partners are reviewed below.] As a teacher, you often go the extra mile to make your classes effective. You might stay up late grading papers, spend extra time with a struggling student, and even buy supplies and materials out of pocket for your classrooms. If you’re spending your own dough to... Read More

Worried about Your Online Information? Use a Virtual Credit Card

Credit Cards

Worried about Your Online Information? Use a Virtual Credit Card

Worried about Your Online Information? Use a Virtual Credit Card

[Disclosure: Cards from our partners are reviewed below.] Even when online retailers strive to keep customer information safe, data breaches happen. Hackers and thieves are constantly working to gain access to your sensitive data, including credit card numbers. Data breaches are on the rise and could cost businesses $8 trillion over the next five years.... Read More

Top 3 Credit Cards for Rewards on Family Trips

Credit Cards

Top 3 Credit Cards for Rewards on Family Trips

Top 3 Credit Cards for Rewards on Family Trips

[UPDATE: Some offers mentioned below have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace. DISCLOSURE: Cards from our partners are mentioned below.] Field trips are a great way to entertain or educate the entire family, both kids and adults alike.... Read More

4 Cash Back Credit Cards for Frugal Spenders

Credit Cards

4 Cash Back Credit Cards for Frugal Spenders

4 Cash Back Credit Cards for Frugal Spenders

[UPDATE: Some offers mentioned below have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace. DISCLOSURE: Cards from our partners are mentioned below.] You don’t have to be a big spender to earn big cash back rewards. Even if you rarely... 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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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.

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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

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