Cheryl Lock Gravatar

Cheryl Lock

Contributor |  In Personal Finance

Cheryl Lock is a writer and editor whose work has appeared in dozens of publications, both in print and online. She was a money editor at Parents magazine before leaving to launch the inaugural parents vertical for the personal finance website Learnvest. You can find other stories of hers online at Money, The Fiscal Times and Business Insider, as well as in magazines like Woman’s Day, Runner’s World and Family Circle. She currently lives in Denver with her husband and daughter.

How Long Does Negative Info Stay on Your Credit Report

Credit Score

How Long Does Negative Info Stay on Your Credit Report

How Long Does Negative Info Stay on Your Credit Report

Your credit report offers valuable insight into your financial history and affects most of your financial future: everything from whether you get approved for a mortgage or other loan to what your credit card interest rate will be. Negative information on your credit report can be detrimental for years, but it’s not always clear how... Read More

What You Need to Know about Home Equity Loans

Mortgages

What You Need to Know about Home Equity Loans

What You Need to Know about Home Equity Loans

A home equity loan is a method for borrowing money for big-ticket items, and understanding the facts about these tricky loans is crucial to helping you make the right decision for your finances. If you’re considering taking out a home equity loan, here are 13 things you need to know first. 1. What Is a... Read More

6 Signs It’s Time to Revisit Your Budget

Personal Finance

6 Signs It’s Time to Revisit Your Budget

6 Signs It’s Time to Revisit Your Budget

Having a budget is a great start. But life will always throw you changes, and with those changes comes the need to revisit—and perhaps reallocate—your budget. Maybe you recently got a raise, moved to a more expensive apartment, or bought a pet. All of these things would require a change in your monthly financial planning.... Read More

3 Common Alternative Investments: Are They Worth It?

Personal Finance

3 Common Alternative Investments: Are They Worth It?

3 Common Alternative Investments: Are They Worth It?

Whether you’re a novice at investing or have been day-trading your own stocks for years, you’ve probably heard about alternative investments. You might even be curious about whether or not they’re worth buying. If you want to be a savvy investor, you need to learn about alternative investments. Alternative investments are anything that doesn’t fall... Read More

6 Surprising Travel Expenses to Watch Out For

Personal Finance

6 Surprising Travel Expenses to Watch Out For

6 Surprising Travel Expenses to Watch Out For

I love to travel. From the Blue Lagoon in Iceland to the Great Barrier Reef in Australia and the Colosseum in Rome, there’s no adventure I would turn down. In the past, I’ve mostly been able to travel by saving up for trips and finding good deals online. But even with all the planning and... Read More

Here’s Why You Need to Know Your Net Worth

Personal Finance

Here’s Why You Need to Know Your Net Worth

Here’s Why You Need to Know Your Net Worth

It’s perhaps one of the most important financial numbers you should know, but many people aren’t even sure exactly what it is. If someone were to ask, would you know your net worth? Would you even know what the question meant? If you’ve never heard the term until today, fear not. Here’s everything you need... Read More

Show Me More by Cheryl Lock

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