How Long Will It Take To Achieve Better Credit?

Credit 101

How Long Will It Take To Achieve Better Credit?

How Long Will It Take To Achieve Better Credit?

Lenders use your credit report and credit score to help them determine how much to lend you, and at what interest rate. That credit report is derived from your credit history — an algorithm of your past credit usage (including how much credit you have, how well you pay it off, and what mix of... Read More

Is Good Credit the Key to a Good Life?

Credit Score

Is Good Credit the Key to a Good Life?

Is Good Credit the Key to a Good Life?

What do you want in life? Although most people would say that winning the lottery and being able to live in a big house or sail around the world sound nice … that’s not really what people strive for. Most people strive for similar things — things like getting a college education, buying your first... Read More

4  Credit Tips to Keep in Mind as You Plan Your Wedding

Credit Score

4 Credit Tips to Keep in Mind as You Plan Your Wedding

4  Credit Tips to Keep in Mind as You Plan Your Wedding

Summertime — the perfect time for a beautiful wedding! You’re pledging mutual love and affection to your partner, surrounded by friends and family. You’re looking forward to a lifetime of adventure and happiness together. And while you’re thinking about your wedding and probably doing last-minute planning and fittings and all that great stuff, I’d like... Read More

4 Ways Your Cellphone Could Wreck Your Credit

Credit Score

4 Ways Your Cellphone Could Wreck Your Credit

4 Ways Your Cellphone Could Wreck Your Credit

Your cellphone: It’s hard to live without! (How did we ever get by with a landline in the “olden days”?) And cellphones are really more than cellphones — they’re mobile devices that have become our cameras, our entertainment devices, our way to connect socially, our shopping malls, our sources of news and information and our... Read More

A Crash Course to Moving On From Bad Credit

Credit Score

A Crash Course to Moving On From Bad Credit

A Crash Course to Moving On From Bad Credit

So, you’ve decided to get serious, fix your credit issues and build healthier credit. Way to go! Often, the first question I’m asked by folks working to improve their credit is, “How long will it take for my credit score to improve so I can … buy a home, pay for my wedding, afford college and... Read More

10 Things I Hate About Student Loans

Students

10 Things I Hate About Student Loans

10 Things I Hate About Student Loans

Believe it or not, graduation season is creeping up. And that means it’s the time of year I’m reminded how much I hate what student loans have done to the financial health of our nation’s graduates. Unfortunately, according to the Federal Reserve Bank of New York’s latest report on debt and credit among U.S. households,... Read More

Can Improving Your Credit Actually Be Fun?

Credit Score

Can Improving Your Credit Actually Be Fun?

Can Improving Your Credit Actually Be Fun?

Your credit is one of the most important things in your life. Just like you might use your blood pressure or body weight as an indicator of your physical health, your credit (including your credit report and credit score) is an indicator of your financial health. But there’s a problem: People often don’t like talking... Read More

Show Me More by Jeanne Kelly

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