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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.

Can a Debt Collector Garnish My Wages?

Managing Debt

Can a Debt Collector Garnish My Wages?

Can a Debt Collector Garnish My Wages?

If you’re late on your credit card payments, should you be worried about whether a debt collector can garnish your wages? A debt collector can, in fact, garnish your wages, but only if it’s legal to do so in your state. For this to happen, a lawsuit must be filed against you. A possible outcome... Read More

Higher Mortgage Rates Haven’t Deterred Buyers

Mortgages

Higher Mortgage Rates Haven’t Deterred Buyers

Higher Mortgage Rates Haven’t Deterred Buyers

In the past few weeks the cost of obtaining a new mortgage has climbed as a result of higher mortgage rates. And while consumers are expressing worries over this new trend, those fears have not yet translated to the market itself. At the end of June, 13 percent of consumers said that if mortgage interest... Read More

Consumers Making Fewer Late Payments

Managing Debt

Consumers Making Fewer Late Payments

Consumers Making Fewer Late Payments

The recent economic downturn caused many Americans to take a hard look at how they handle their finances, changing many of their spending and borrowing habits. That, in turn, has led to the massive declines in delinquency and default during the past few years, and this trend continued through the end of the first quarter... Read More

The Fast Way to Find Out If Your Identity Has Been Stolen

Identity Theft

The Fast Way to Find Out If Your Identity Has Been Stolen

The Fast Way to Find Out If Your Identity Has Been Stolen

Credit.com Co-Founder and Chairman Adam Levin answers a reader’s question about the fastest way to find out if her identity has been stolen, and how she can maintain her credit if it has been compromised. If you’re worried about your identity being stolen, you can monitor your credit for free using the Credit Report Card.... Read More

IRS Exposed Hundreds of Social Security Numbers

Identity Theft

IRS Exposed Hundreds of Social Security Numbers

IRS Exposed Hundreds of Social Security Numbers

Data breaches are becoming quite common, especially for government agencies. The latest such incident involved the Internal Revenue Service, and could potentially leave tens of thousands of people exposed. The breach itself was discovered by nonprofit watchdog group Public.Resource.Org, and could have lasted less than 24 hours, but potentially much longer, according to a report from the... Read More

Younger Generations More Likely to Buy a Home

Mortgages

Younger Generations More Likely to Buy a Home

Younger Generations More Likely to Buy a Home

The economic recovery has brought with it significant improvements in the national housing market. And now many consumers are in a better position to buy a home after dealing with many financial problems just a few years ago. But with that change comes shifting demographics of who homebuyers generally are, according to the inaugural Home Buyer... Read More

What’s Used to Determine My Credit Score?

Credit Score

What’s Used to Determine My Credit Score?

What’s Used to Determine My Credit Score?

Credit scoring can be a mystery, but it doesn’t have to be. While there are many different types of credit scores that lenders use, there are some basic guiding principles to what determines your credit score. By knowing these factors, you can be more proactive in working toward having better credit and a stronger credit... Read More

JPMorgan Admits Debt Collection Mistakes

Managing Debt

JPMorgan Admits Debt Collection Mistakes

JPMorgan Admits Debt Collection Mistakes

One of the nation’s largest financial institutions seems poised to be hit with massive regulatory charges from state and federal agencies over allegations that it improperly pursued what it said were delinquent and defaulted debts, and now the company, through an internal study, has admitted as much. JPMorgan Chase recently acknowledged that it made a number of... Read More

Are You Charging More? Credit Card Debt Surges 9.3%

Credit Cards

Are You Charging More? Credit Card Debt Surges 9.3%

Are You Charging More? Credit Card Debt Surges 9.3%

The improving economy has led some consumers to behave in ways they may not have in the past few years, and this change was recently reflected by a significant uptick in nearly all types of borrowing in May. The total amount of credit card debt held nationwide surged 9.3 percent in May, rising to $856.5 billion from the previous... Read More

California AG: Many Data Breaches Were Avoidable

Identity Theft

California AG: Many Data Breaches Were Avoidable

California AG: Many Data Breaches Were Avoidable

The number of people impacted by data breaches continues to grow, and California is no exception, where millions of people had their personal information exposed in breaches last year alone. In 2012, some 2.5 million state residents had sensitive personal or financial information exposed in just 131 data breaches reported to the government, according to... 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.

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