Content Specialist | In Credit Cards
Elisa has been with Credit.com since 2014 where she started out as a paralegal. Since then, she has developed a passion for understanding credit and personal finance.
Article Re-Written August 10, 2018 by Elisa Ortiz Everyone has bad habits. It’s just a part of being human. I try to squash a bad habit as soon as I recognize one, and I’m sure you’re in the same boat. It’s easy to develop bad money habits early on in life, and it can be... Read More
Data breaches. Identity theft. Phishing scams. Short of going off the grid, it seems like there’s no way for your information to stay safe. The latest way that your data could have been exposed to hackers and phishers? Lifelock – the company that millions of consumers trust to protect their identities. Lifelock wasn’t breached, but... Read More
As of 2012, about half of all adults in the United States, 117 million people, were reported to live with one or more chronic health conditions. But for those of us who struggle with chronic illness and disease on a day-to-day basis, our conditions are much more than just a staggering statistic. From diabetes, to... Read More
Does this sound familiar? You sign up for cable to get that special promo deal, only to find out your bill is going to go up after two years. And premium channels like HBO aren’t included. Yeah, those are going to cost you extra. Oh, and don’t forget the equipment rental fee – that’s separate... Read More
Traditionally, we’re told that it’s important to build credit, and that in order to do so, we need to get a credit card. But with no credit history, or with a poor credit history it’s usually difficult to get one. And if we can’t qualify for a regular unsecured card, then the only other options... Read More
[DISCLOSURE: Cards from our partners are mentioned below.] Most of the time, we don’t think that credit cards can do us a whole lot of good, aside from financing large purchases and helping us build credit. While these two things are extremely important, most credit cards come with a whole slew of benefits that can... Read More
[DISCLOSURE: Cards from our partners are mentioned below.] Do you consider yourself a foodie? Do you like eating out or buying ingredients at the grocery store to make delicious home-cooked meals? With its recent launch of the SavorOne Cash Rewards Credit Card, Capital One has made a card catered to (pun intended) all food-lovers. Most... Read More
DISCLOSURE: Cards from our partners are mentioned below. Picking a credit card that’s right for you can be tricky: companies and cards offer so many different incentives and rewards, it can be hard to keep them all straight and decipher which is the best for you. This is especially true if you often travel abroad and... Read More
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.
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.
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).
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.
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