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Identity Theft 911

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Identity Theft 911 is the nation’s premier consultative provider of identity and data risk management, resolution and education services. To learn more, visit http://www.idt911.com.

New Malware Steals Your Files … Forever

Identity Theft

New Malware Steals Your Files … Forever

New Malware Steals Your Files … Forever

It’s always a good idea to back up your computer files. But now, it’s a great idea. An especially nasty form of ransomware — known as CryptoLocker — was recently discovered, and it puts computer users at risk of losing their files forever. In most forms of ransomware, infected computers “freeze” and essentially are held... Read More

How to Spot Apartment Rental Scams

Identity Theft

How to Spot Apartment Rental Scams

How to Spot Apartment Rental Scams

Rental scams have exploded in recent years, typically preying on vacationers looking for a week or two of R&R — only to get a “ruse” and “ripoff” in paying upfront for unavailable properties that don’t exist, are actually for sale (not rent), or are currently occupied. But there’s a more sinister — and troublesome —... Read More

Beware: It’s Getting Easier to Skim Credit Cards

Identity Theft

Beware: It’s Getting Easier to Skim Credit Cards

Beware: It’s Getting Easier to Skim Credit Cards

Credit card skimming devices are becoming more popular around the U.S. and causing a growing number of Americans to have their personal identity stolen by thieves who install these small devices at gas station pumps. Credit card skimmers are installed on pumps so when customers swipe their cards, their account info is copied from the magnetic... Read More

The ABCs of Back-to-School Identity Theft Protection

Identity Theft

The ABCs of Back-to-School Identity Theft Protection

The ABCs of Back-to-School Identity Theft Protection

Parents, add this to your back-to-school shopping list: identity theft protection tips and supplies. It’s that hectic time of year again when you’re repeatedly asked to share your child’s personal information for school registration, sports sign-up forms and dorm move-ins. But you may be exposing your child to fraud when you’re filling out those forms.... Read More

Why You Need to Protect Your Wireless Connections

Identity Theft

Why You Need to Protect Your Wireless Connections

Why You Need to Protect Your Wireless Connections

By Lauren Roberts Society’s come a long way since the days of picking up hitchhikers and leaving doors unlocked without a second thought. For better or worse, today’s world requires a lot more vigilance and privacy. Just as no one would reasonably offer a stranger a 250-mile lift to the next state, no one should... Read More

How to Protect Yourself from Fraud at the Hospital

Identity Theft

How to Protect Yourself from Fraud at the Hospital

How to Protect Yourself from Fraud at the Hospital

Of all the places where people want to feel secure and protected, hospitals must certainly rank at the top. But even those who aren’t afraid of being poked and prodded have something to worry about: hospitals are a growing scene for identity theft and fraud. The fraud that’s happening in hospitals isn’t simple, either. In... Read More

How to Protect Yourself at the ATM

Identity Theft

How to Protect Yourself at the ATM

How to Protect Yourself at the ATM

What would life be without the 2.2 million automated teller machines (ATMs) that give millions of Americans ready access to their bank accounts every day ...

FTC Supports New Social Security Numbers for Child ID Theft Victims

Identity Theft

FTC Supports New Social Security Numbers for Child ID Theft Victims

FTC Supports New Social Security Numbers for Child ID Theft Victims

A Social Security Administration (SSA) proposal that would allow child identity theft victims to receive new, clean Social Security numbers has the full backing of the Federal Trade Commission. In February, the SSA invited other government agencies to comment on the proposal, which would allow the issuance of new Social Security numbers to children younger than 13... Read More

Help! Someone Took Out Student Loans in My Name

Identity Theft

Help! Someone Took Out Student Loans in My Name

Help! Someone Took Out Student Loans in My Name

By Kelly Santos In a new form of identity theft, fraud rings are stealing personal information then applying to low-cost, online colleges to milk money from federal student loan programs. But Uncle Sam is hardly the only victim here. Trapped in red tape, one San Francisco Bay area woman has spent more than a year... 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.

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.

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