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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.

Small Businesses Prefer Checks, Cash Over Credit Cards

Credit Cards

Small Businesses Prefer Checks, Cash Over Credit Cards

Small Businesses Prefer Checks, Cash Over Credit Cards

Relying upon credit or debit cards regularly in their everyday lives is something numerous Americans have learned to do in recent years, and it may therefore come as a bit of a shock when some smaller businesses do not accept this payment method. However, the disconnect between consumer sentiment about this refusal and the way businesses see it is particularly... Read More

Will Rising Interest Rates Hurt the Housing Market?

Mortgages

Will Rising Interest Rates Hurt the Housing Market?

Will Rising Interest Rates Hurt the Housing Market?

Mortgage rates have been extremely low for some time now. However, with rates on the rise once again, some worry that the declining affordability could be harmful to the recovery of the market as a whole. The number of homes currently on the market remains relatively constrained and that in turn is leading to higher prices every month, as... Read More

Home Values on the Rise Again in May

Mortgages

Home Values on the Rise Again in May

Home Values on the Rise Again in May

In recent months, a large number of homeowners across the country have been able to enjoy positive equity for the first time in years thanks to rising home values, and this was the case in May as well. The average home value nationwide climbed 0.5 percent from April’s total to $159,000 in May, which was also up... Read More

How Can I Help My Credit Score?

Credit Score

How Can I Help My Credit Score?

How Can I Help My Credit Score?

The short answer to the question of “how can I help my credit score” is the following: through responsible credit management. That’s what credit-scoring models want to see. This means that you should always pay your bills on time, be sure to keep your revolving (credit card) debt respectable, and don’t shop excessively for credit.... Read More

Credit Card, Auto Loan Rates Won’t Rise Soon Despite Fed

Auto Loans

Credit Card, Auto Loan Rates Won’t Rise Soon Despite Fed

Credit Card, Auto Loan Rates Won’t Rise Soon Despite Fed

The Federal Reserve Board recently announced it will help to keep interest rates at artificially low levels for the foreseeable future, but many experts note that they could be slated to rise at some point in 2014. However, it’s important to note that this will probably not alter what borrowers pay for certain types of consumer credit.... Read More

FBI Warns of New ‘Wire Transfer’ Scheme

Identity Theft

FBI Warns of New ‘Wire Transfer’ Scheme

FBI Warns of New ‘Wire Transfer’ Scheme

Criminals are always looking for new ways to rip off consumers when it comes to identity theft, and that trend continued in June as well, with two new scams being reported nationwide. A number of businesses and individuals nationwide have recently received calls from people claiming to be workers in tech support for wire transfer companies, according... Read More

Mobile Wallet Use Expected to Explode

Personal Finance

Mobile Wallet Use Expected to Explode

Mobile Wallet Use Expected to Explode

Experts had predicted that the number of people who use their smartphones to make everyday purchases would expand rapidly during the past few years, but the “mobile wallet” hasn’t yet dominated the market as predicted. Now, however, new data suggests that it is at least theoretically possible thanks to increased development and release of devices... Read More

Join Us for a Twitter Chat: How to Buy, Sell & Finance a Home

Personal Finance

Join Us for a Twitter Chat: How to Buy, Sell & Finance a Home

Join Us for a Twitter Chat: How to Buy, Sell & Finance a Home

Are you thinking about buying or selling a home? Or, are you trying to figure out to make the right home financing decisions? Then please join us at our upcoming Twitter chat event with Realtor.com. Our experts will be there to answer your home buying & financing-related questions & offer advice. When: Tuesday, June 25... Read More

Half of Americans Have Less Than $800 in Savings

Personal Finance

Half of Americans Have Less Than $800 in Savings

Half of Americans Have Less Than $800 in Savings

The financial downturn hit many consumers particularly hard, putting them at a disadvantage when it comes to being able to successfully build their savings accounts to cover even basic rainy-day expenses that might arise over the course of their lives. Today, 46 percent of consumers say they have less than $800 in savings, and of... 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