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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.

What Happens If You Lie on Your FAFSA?

Students

What Happens If You Lie on Your FAFSA?

What Happens If You Lie on Your FAFSA?

College is expensive, and it’s especially shocking to some parents and students when they start the financing process to learn that one form — the FAFSA — may largely determine their financial fate when it comes to federal student aid. It may be tempting to fudge the numbers on the FAFSA to get more money to... Read More

Share Your Credit Success: We Want to Hear From You!

Personal Finance

Share Your Credit Success: We Want to Hear From You!

Share Your Credit Success: We Want to Hear From You!

Have you improved your credit scores? Dug out of debt? We’d love to celebrate your success by featuring you in a story on the Credit.com blog. There’s nothing as inspiring as hearing from other readers who have been through financial challenges and are coming out ahead. Some of our most popular stories have come from... Read More

Is a Debt Collector Allowed to Know My Medical History?

Managing Debt

Is a Debt Collector Allowed to Know My Medical History?

Is a Debt Collector Allowed to Know My Medical History?

If you’ve received medical care anytime in the last few years, you’ve no doubt been given medical privacy forms to sign. These forms, required under the Health Insurance Portability and Accountability Act, commonly referred to as HIPAA, are designed to help protect the privacy of sensitive medical information. But what happens when you owe a... Read More

3 Ways Roommates Can Wreck Your Credit

Personal Finance

3 Ways Roommates Can Wreck Your Credit

3 Ways Roommates Can Wreck Your Credit

John Rah had two roommates bail on him, leaving him to face eviction on their Brooklyn apartment alone, he says. But it gets worse:  “I am the only one being hit with (a) judgment,” he writes on the Credit.com blog,  and “my landlord’s lawyer wants to collect $20,000 from me.” Rah commented that he and... Read More

6 Perks You Can Get at a Credit Union

Personal Finance

6 Perks You Can Get at a Credit Union

6 Perks You Can Get at a Credit Union

If you’re not a member of a credit union, you may wonder why anyone is. You don’t see their ATMs all over town, nor do you hear much about their state-of-the-art mobile capabilities. Yet some people sing their praises, and prefer them to banks. Both kinds of financial institutions typically offer checking accounts, savings accounts,... Read More

Americans Would Rather Have Naked Photos of Them Leaked Than Have Their Finances Exposed

Credit Cards

Americans Would Rather Have Naked Photos of Them Leaked Than Have Their Finances Exposed

Americans Would Rather Have Naked Photos of Them Leaked Than Have Their Finances Exposed

Want to know what’s worse than having naked pictures of yourself leaked online? Having your financial information stolen or compromised — or so said 55% of those polled in MasterCard’s Emotion of Safety & Security Research survey, released today. Even more would rather have their homes robbed (59%) or email hacked (62%) than have financial data stolen or compromised.... Read More

5 Signs You Should Freeze Your Credit

Identity Theft

5 Signs You Should Freeze Your Credit

5 Signs You Should Freeze Your Credit

Roughly 13 million consumers are victims of identity theft each year, and millions more experience data breaches, phishing attempts and other types of financial fraud. If you are among them — or are worried you may be next — you may have thought about blocking access to your credit reports completely. That’s essentially what a credit freeze does, and there... Read More

Why Does My Credit Card Limit Affect My Credit Score?

Credit Score

Why Does My Credit Card Limit Affect My Credit Score?

Why Does My Credit Card Limit Affect My Credit Score?

Occasionally we get questions from readers who have gotten an automatic credit limit increase, and they wonder if there is a downside to accepting it. Or they close a little-used account and their credit scores go down, even though they are using cards and paying them off exactly as they had been. What’s going on... Read More

The Secret Way to Get Rid of an Old Debt

Managing Debt

The Secret Way to Get Rid of an Old Debt

The Secret Way to Get Rid of an Old Debt

Resolving a collection account can feel like lifting a weight off your shoulders: You can finally move on. But what happens when it comes back to haunt you again? Can you ever really put a bad debt behind you? A reader with the screen name “Frustrated” shared their story on the Credit.com blog: We used a... Read More

Can a Bill I Never Received Wreck My Homebuying Chances?

Managing Debt

Can a Bill I Never Received Wreck My Homebuying Chances?

Can a Bill I Never Received Wreck My Homebuying Chances?

Imagine getting ready to deploy halfway around the world. You want to be absolutely certain that nothing goes financially haywire while you are away, and so you make sure you take care of business before you go. Your cellphone’s not going to work in Iraq, so you put that account on hold. And now deployment... Read More

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Certain credit cards and other financial products mentioned in this and other articles on Credit.com News & Advice may also be offered through Credit.com product pages, and Credit.com will be compensated if our users apply for and ultimately sign up for any of these cards or products. However, this relationship does not result in any preferential editorial treatment.

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.

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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).

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