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Credit.com

Contributor |  In Personal Finance, Mortgages

Credit.com is the only company of its kind to be founded and run by leading credit experts including journalists, authors and consumer advocates. We’re committed to helping consumers understand and master the confusing world of credit and improve their financial standing by recommending products and actions that are in their best interest.

50 Places to Visit Before You Turn 50

Personal Finance

50 Places to Visit Before You Turn 50

50 Places to Visit Before You Turn 50

Many people put off traveling until they’re retired, thinking they’ll have more money saved up by then to afford it. But the truth is, traveling doesn’t necessarily get easier with age. Many places require physical endurance, from climbing the ancient steps of the Acropolis to hiking the rocky Inca city of Machu Picchu, in Peru. “Our advice for any... Read More

Forget Coffee & Toast. Here Are 18 Smart Ways to Use an Avocado

Personal Finance

Forget Coffee & Toast. Here Are 18 Smart Ways to Use an Avocado

Forget Coffee & Toast. Here Are 18 Smart Ways to Use an Avocado

Avocados have been a thing for awhile now, but thanks to avocado toast-shaming and something called the avolatte (it is exactly as it sounds), the fruit has gone viral. And while the question of whether avo-everything is keeping millennials from the American Dream remains up for debate, there’s one thing that can’t be disputed. All fruits considered,... Read More

50 Ways to Avoid (or Deal With) a Cyberattack

Identity Theft

50 Ways to Avoid (or Deal With) a Cyberattack

50 Ways to Avoid (or Deal With) a Cyberattack

In case you missed it, a major cyberattack swept the globe Friday. Per pretty much every major news outlet here in the U.S., hackers locked computer systems worldwide, then threatened to destroy data if the victim did not pay to be let back in. In other words, they executed a large scale ransomware attack, targeting... Read More

9 Ways to Get the Most Out of Your Credit.com Account

Personal Finance

9 Ways to Get the Most Out of Your Credit.com Account

9 Ways to Get the Most Out of Your Credit.com Account

Chances are if you’re reading this you’re ready to take control of your financial life. Well, we want to make sure you’re getting the information and help you need to do it. That’s why we’ve put together a list of nine ways you can make the most of your Credit.com account. 1. Download the Credit.com App Download... Read More

28 Ways to Save For This Year’s Big Adventure

Personal Finance

28 Ways to Save For This Year’s Big Adventure

28 Ways to Save For This Year’s Big Adventure

[Update: Some offers mentioned below have expired. You can view the current offers from our partners here — American Express Platinum. Disclosure: Cards from our partners are mentioned below.] If it seems your friends and coworkers are always off on their next big international excursion and you’re stuck at home trying to figure out how... Read More

The Ultimate Guide to Getting a Better Job This Year

Personal Loans

The Ultimate Guide to Getting a Better Job This Year

The Ultimate Guide to Getting a Better Job This Year

This is the year you’re going to make more money — or take on a leadership role at work, apply for your dream job or even try a completely new career path. Whatever it is, you know you want something in your professional life to change. Understandably, you might be overwhelmed by the prospect of... Read More

50 Ways to Give Your Finances a Fresh Start in 2017

Personal Finance

50 Ways to Give Your Finances a Fresh Start in 2017

50 Ways to Give Your Finances a Fresh Start in 2017

We get it: Money resolutions can feel like a lost cause, especially if you’re already drowning in debt or saddled with uber-bad credit. But if the fear of falling short is stopping you from even attempting to reach any financial goals, well, it may be time to think smaller. There are lots of little steps... Read More

Show Me More by Credit.com

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.

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