Gerri Detweiler Gravatar

Gerri Detweiler

In Personal Finance, Managing Debt

Gerri Detweiler focuses on helping people understand their credit and debt, and writes about those issues, as well as financial legislation, budgeting, debt recovery and savings strategies. She is also the co-author of Debt Collection Answers: How to Use Debt Collection Laws to Protect Your Rights, and Reduce Stress: Real-Life Solutions for Solving Your Credit Crisis as well as host of TalkCreditRadio.com.

Can I Get Someone to Take Over My Car Payments?

Auto Loans

Can I Get Someone to Take Over My Car Payments?

Can I Get Someone to Take Over My Car Payments?

If you can’t make your car payments, can you just find someone who can? Credit.com blog reader Carlos asks: I have had my car for 5 months my payment is $330 but I will soon be getting married and getting my own place. I have tried to advertise my car and have someone take over... Read More

Credit Card Convenience Checks: A Cautionary Tale

Credit Score

Credit Card Convenience Checks: A Cautionary Tale

Credit Card Convenience Checks: A Cautionary Tale

A credit card convenience check allows you to tap your credit card’s line of credit, and can seem like a godsend if money is tight and you need a short-term loan, or you need to consolidate debt. But there can be pitfalls that catch even the most careful cardholders unaware. Our reader, whom we’ll call... Read More

Can I Walk Away From My House After Bankruptcy?

Managing Debt

Can I Walk Away From My House After Bankruptcy?

Can I Walk Away From My House After Bankruptcy?

Bankruptcy and foreclosure can each have serious negative consequences for your credit scores. But what if you experience one and then the other? Is it a double-whammy? Our reader Brent went through bankruptcy nearly seven years ago, and did not reaffirm his mortgage. But he continued to make his mortgage payments, and is still living... Read More

Help! I’m Trapped in a House I Can’t Afford to Sell

Mortgages

Help! I’m Trapped in a House I Can’t Afford to Sell

Help! I’m Trapped in a House I Can’t Afford to Sell

Eddie would like to to sell his home, but like millions of Americans, the widely touted housing recovery hasn’t fully reached his North Akron, Ohio, neighborhood. He owes about $60,000 on his mortgage and the two experienced real estate agents he consulted put the value of his home at somewhere around $58,000 to $59,000. Even... Read More

Who Do I Call If I Lost My Social Security Card?

Identity Theft

Who Do I Call If I Lost My Social Security Card?

Who Do I Call If I Lost My Social Security Card?

Recently my teenage daughter landed her first official job, and her employer needed to see a copy of her Social Security card. But I have no idea where I’ve stored it. It wasn’t in our safe deposit box, and a search of all the other places I may have put it turned up nothing. We... Read More

Why Do I Have to Pay My Real Estate Agent 6%?!

Mortgages

Why Do I Have to Pay My Real Estate Agent 6%?!

Why Do I Have to Pay My Real Estate Agent 6%?!

Selling a house can be expensive. Not only are you probably going to have to lay out some cash to spruce it up so you can get top dollar, you also have to plan on paying a real estate commission, which usually runs 6% of the sales price. On a $300,000 home that’s $18,000 —... Read More

Does Your Credit Report Have a Doppelganger?

Credit Score

Does Your Credit Report Have a Doppelganger?

Does Your Credit Report Have a Doppelganger?

Credit reports often feel like a mystery, particularly if you haven’t seen yours. But what if you discovered you had a second credit report you didn’t know existed? “It’s a pretty rare thing,” says Carla Blair-Gamblian, director of credit education for Veterans United. But every once in a while she’s seen situations where a client ended... Read More

I Paid for a Landlord Credit Check. Don’t I Get to See It?

Credit Score

I Paid for a Landlord Credit Check. Don’t I Get to See It?

I Paid for a Landlord Credit Check. Don’t I Get to See It?

When you apply to rent a home or apartment, it’s not unusual for the owner or manager to require a credit check — and to charge a fee to recover the cost of purchasing it. If it’s your credit standing, do you have a right to see what the landlord saw? That’s what a Credit.com... Read More

Back-to-School Shopping: How Much Will You Spend?

Personal Finance

Back-to-School Shopping: How Much Will You Spend?

Back-to-School Shopping: How Much Will You Spend?

The typical family with children in grades K-12 plans to spend $630.36 on electronics, apparel and other school needs, down from $669.28 last year, according to a survey released Wednesday by the National Retail Federation and conducted by Prosper Insights & Analytics. The poll of 6,500 consumers was conducted June 30-July 8. The consumer polls have a... 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.

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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).

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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.

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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.

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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