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.

19 Ways to Save at buybuy Baby

Personal Finance

19 Ways to Save at buybuy Baby

19 Ways to Save at buybuy Baby

Anyone who’s ever attended a baby shower or had a baby is sure to know about buybuy Baby, the baby goods superstore alternative to Babies ‘R Us. If you aren’t quite convinced that buybuy Baby is the store for you, check out all these ways to save when shopping there — they just might change... Read More

14 Ways to Save at Anthropologie

Personal Finance

14 Ways to Save at Anthropologie

14 Ways to Save at Anthropologie

If bohemian aesthetics, artistic patterns and funky designs are your thing, Anthropologie is bound to have what you’re looking for. From clothing, shoes and accessories to home goods and beauty items, Anthropologie has it all. If you’re worried about how much you spend here — prices tend to be on the higher side — you... Read More

14 Ways to Save at World Market

Personal Finance

14 Ways to Save at World Market

14 Ways to Save at World Market

[DISCLOSURE: Cards from our partners are mentioned below.] Brightly colored throw pillows, exquisite area rugs, rugged outdoor furniture, international foods and eclectic jewelry are just a few of the options awaiting shoppers at World Market. While a trip here could rack up debt due to the sheer volume of goods you’re likely to come away... Read More

13 Ways to Save at Pier 1

Personal Finance

13 Ways to Save at Pier 1

13 Ways to Save at Pier 1

[DISCLOSURE: Cards from our partners are mentioned below.] Whether you’re hoping to spruce up your bedroom, your living room rug is looking pretty shabby or a new Papasan is calling your name, Pier 1 will likely have the home item you’re looking for. If you want to save a little cash while you shop, try... Read More

13 Ways to Save at Michael Kors

Personal Finance

13 Ways to Save at Michael Kors

13 Ways to Save at Michael Kors

Sophisticated and chic shoppers delight in the fancy yet practical options that abound at Michael Kors. Unless you’re loaded, though, it helps to have a couple of ways to save on hand when shopping here. Try these tactics the next time you simply must have the latest Michael Kors offering. 1. Shop Sale Items Check out... Read More

14 Ways to Save at Wayfair

Personal Finance

14 Ways to Save at Wayfair

14 Ways to Save at Wayfair

Online shoppers delight in Wayfair, the online home goods store with everything from furniture and decor to kitchen goods and everything your backyard needs to become a stress-free sanctuary. While it could be easy to spend a ton at Wayfair, there are many ways to save. Here are a few. 1. Wait for an Annual Event... Read More

17 Ways to Save at Michaels

Personal Finance

17 Ways to Save at Michaels

17 Ways to Save at Michaels

For the artist in all of us, Michaels is a craft-lover’s dream. While you’re bound to find great deals at the store already, there are still other ways to save even more cash when you shop. Here are 17 ways to save at Michaels. 1. Visit the Website Coupons abound directly on the home page... Read More

12 Ways to Save at DSW

Personal Finance

12 Ways to Save at DSW

12 Ways to Save at DSW

If Carrie Bradshaw has a gold medal in buying shoes, I happen to know a good many other people (this writer included) who would earn a close silver. Any shoe lover is bound to have checked out designer shoe warehouse DSW for their footwear needs, but next time you find yourself feeling a little foot... Read More

The Best Investment for Your Lump Sum

Personal Finance

The Best Investment for Your Lump Sum

The Best Investment for Your Lump Sum

Money doesn’t usually come out of nowhere, but when it does, it’s nice to have some idea of how to use it. Whether your lump sum arrived as a tax return, a bonus, an inheritance or a larger-than-expected gift from a family member, Shelly-Ann Eweka, a Denver-based financial adviser with TIAA, has suggestions on what to... 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