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Christine Giordano

Reporter & Editor |  In Credit Score, Managing Debt

Christine Giordano is an editor and reporter for Credit.com who covers a variety of personal finance topics. Prior to joining us, Christine wrote for The New York Times, U.S. News & World Report, Harper’s Bazaar, Newsday and many other publications. A former staff writer for the New York Times Company, she is an award-winning journalist. You can follow her on Twitter @chrisgiordano.

10 Ways to Lower Your Utility Bill

Personal Finance

10 Ways to Lower Your Utility Bill

10 Ways to Lower Your Utility Bill

Last year, most of us in the colder states got lucky with one of the warmest winters on record. We didn’t have to crank the heat and cheaper fuel prices staved off high utility bills. But we might not be so lucky this year. Although no one can never truly predict the exact weather months in advance,... Read More

6 Ways to Keep Costs for a College Degree Less Than $10K

Students

6 Ways to Keep Costs for a College Degree Less Than $10K

6 Ways to Keep Costs for a College Degree Less Than $10K

Student loan debt has reached a record high of $1.3 million for Americans, and it’s rippling through the economy. Analysts say student loan debts are effecting everything from retail spending to mortgage loans because people have less spare cash. But that doesn’t mean you should toss away the idea of going to college: College degrees still... Read More

The Newest FICO Score Isn’t a Credit Score

Personal Finance

The Newest FICO Score Isn’t a Credit Score

The Newest FICO Score Isn’t a Credit Score

By now, you probably (understandably) associate FICO with your credit history, so it may surprise you to hear the company is launching a new score that rates something else entirely: your driving habits. You can breathe a sigh of relief though – unlike your credit scores, which are based on information on your credit reports that lenders can automatically... Read More

Watch Out for These Blue Cross Blue Shield Scams

Identity Theft

Watch Out for These Blue Cross Blue Shield Scams

Watch Out for These Blue Cross Blue Shield Scams

These days, when your phone rings, it’s often a call from a scammer trying to get your information. Now two phone scams are targeting those who have Blue Cross Blue Shield health insurance. The first is a phishing scam, the second is a product scam. Daniel Crowell, director of corporate and financial investigations for Blue Cross Blue... Read More

Can You Be Denied a Mortgage if You’re Pregnant?

Mortgages

Can You Be Denied a Mortgage if You’re Pregnant?

Can You Be Denied a Mortgage if You’re Pregnant?

Hematologist Elizabeth Budde was far along in her pregnancy while also house-shopping, looking for the perfect place in Kenmore, Washington to raise her first child. She knew that once the baby was born, she’d have very little spare time to look for a house, so now was the time. Budde, then 32, determined how much house she could afford,... Read More

Black Friday 2016: Store Hours

Personal Finance

Black Friday 2016: Store Hours

Black Friday 2016: Store Hours

Some shoppers wait all year for Black Friday, the day after Thanksgiving, when stores offer some of their best deals of the season. Some stores offer deals on Thanksgiving, while others remain closed on Thursday but open in the wee hours in the morning on Friday to let the shoppers begin their deal hunting. Sometimes,... Read More

Debate Recap: What the Heck Is Carried Interest?

Personal Finance

Debate Recap: What the Heck Is Carried Interest?

Debate Recap: What the Heck Is Carried Interest?

Eliminating “carried interest” was something that came up a few times during Sunday night’s debate between presidential candidates Donald Trump and Secretary Hillary Clinton. When Trump was asked what specific tax provisions he would change to ensure the wealthiest Americans pay their fair share in taxes, he responded that he’d get rid of carried interest,... Read More

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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.

Our Owners

Credit.com is owned by Progrexion Holdings Inc. which is the owner and administrator of a number of business related to credit and credit repair, including CreditRepair.com, and eFolks. In addition, Progrexion also provides services to Lexington Law Firm as a third party provider. Despite being owned by Progrexion, it is not the role of the Credit.com editorial team to advocate the use of the company’s other services. In articles, reporters may mention credit repair as an option, for example, but we’ll also be sure to note the various alternatives to that service. Furthermore, you may see ads for credit repair services on Credit.com, but the editorial team isn’t responsible for the creation or implementation of those ads, anymore than reporters for the New York Times or Washington Post are responsible for the ads on their sites.

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