Editor | In Credit Score, Identity Theft
Jill Krasny is an editor at Credit.com. Her work has appeared in The New York Times, Esquire, The Financial Times and Travel + Leisure.
Like parades and fireworks, Independence Day cookouts are a holiday tradition. But hosting one can get pricy if you don’t watch your budget. Here are some tips for hosting a fabulous cookout this Fourth of July without going broke, courtesy of Sarah Spigelman Richter, a food reporter based in Manhattan. 1. Think Quality Over Quantity You may think you’re getting a... Read More
On Tuesday and Wednesday, the Federal Reserve, the U.S. central bank that determines interest rates, plans to meet in Washington. Unless something goes off the rails, chances are the Fed will approve another quarter-point hike in interest rates. You may not think that affects you, but chances are it will. We spoke with a couple of... Read More
In the beginning, we book a hotel because it’s something we have to do. We obviously need a place to sleep, right? But we often forget the little things that make staying in a hotel worthwhile. Like a friendly smile. A great restaurant recommendation. The bellhop who’s all too willing to lug your heavy luggage... Read More
[Update: Some offers mentioned below have expired. You can view the current offers from our partners here — American Express Platinum Card, and the Barclaycard Arrival Plus World Elite MasterCard. Disclosure: Cards from our partners are mentioned below.] It started simply enough. For months, I’d had my eye out for a premium travel rewards card, one... Read More
Whether you’re dreaming of an hour-long massage or lazy days lounging under the summer sun, you’ll want to budget wisely for your staycation. After all, you’ve worked hard for this well-deserved treat, and the last thing you want is for your savings account to plummet just when you’ve begun to relax. (Overspending can also tank your credit if you... Read More
Vacations are often a family affair, but we typically leave our pets at home. While they’re stuck in a kennel or with a sitter at home, we’re off in Tahiti, cocktail in hand, living the good life. Why not let Fido or Whiskers in on the fun? A number of hotels have warmed up to the idea of... Read More
So you’ve decided to backpack through Europe now that you’re done with college. But are you versed in the ways of European trains? Or know how to find the best hostels? Unless you’ve done it before, you’re going to need a little guidance. It’s a lot to navigate, but never fear. We’re here for you with our ultimate guide... Read More
Mother’s Day brunch is so overdone. Why not treat your mom to something more memorable and less expensive? Your wallet will thank you, and so will she. Here are five out-of-the-ordinary Mother’s Day ideas, guaranteed to delight both of you. 1. Catch a Flick Sometimes it’s nice to relax in the dark of the theater without saying anything at... Read More
Graduation day is almost here, and if you’re like most parents, you’re probably wondering what to give your kids. Should you splurge on a fancy handbag or something more practical, like a camera? To help you prepare, we’ve rounded up eight fantastic items your kids will definitely use. Keeping to a budget? Not to worry. None of the gifts... Read More
It’s no surprise people waste a lot of their money. But there are plenty of ways to save on everyday costs, from bank fees to your favorite morning beverages. If you’re looking for ways to trim your expenses, here’s a list of 50 common money-wasters you may want to ditch. 1. ATM Fees Paying for ATM fees is... 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.
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.
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