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.
Upgrade your new pad with splurge-worthy additions... Read More
Massages and body treatments are considered the ultimate luxury, and for good reason: They don’t come cheap. The average hour-long massage can set you back a good $60 while body treatments can cost even more. Book your appointment at a high-end hotel like the Bulgari in London, and you could easily spend a weekend draining your savings account. Check out... Read More
Here are the 20 worst states for filing an auto insurance claim, according to a study by insuranceQuotes.com... Read More
No one said starting a business would be easy. But if you served our country, chances are you may qualify for certain financial assistance that can lessen the burden. According to the 2007 Survey of Business Owners data released in 2011, there were 2.45 million businesses with majority ownership by veterans. What’s more, they represented... Read More
If saving more money is on your to-do list, but you just haven’t gotten around to it, it’s time to stop making excuses. We’ve all told little white lies to ourselves about why we’ve yet to open a Roth IRA, save for a down payment on a home, or stop living paycheck to paycheck. But... Read More
So you’ve decided you’re ready to purchase a home. But is your credit where it needs to be? If not, then you’ll want to start working to improve it, as your credit helps determine the loans for which you may qualify and your monthly loan payments. We spoke with Joe Parsons, branch manager of Caliber Home Loans in Dublin, California,... Read More
After a volatile election, President-elect Donald Trump will be inaugurated as the 45th president of the United States on Jan. 20. Consumers are divided over what this means for their finances — some are eager to bet big on American stocks, while others are considering hiding their cash under a mattress. To help you prepare for the changes ahead, we... Read More
Valentine’s Day is less than a month away, so if you’ve yet to start shopping, there’s a chance you’ll spend more. That’s according to deals site Brad’s Deals, which recently conducted a little experiment to see how the price of a bouquet of a dozen red roses — a classic Valentine’s Day gift in the... Read More
With the Dow Jones industrial average surging this week, some stock pickers are wondering whether the 20,000 mark is in reach. As CNN reported, Wall Street is betting on President-elect Donald Trump to beef up the economy. It’s quite the opposite of what happened when Barack Obama was elected president, although that changed over time, and there’s no... Read More
Whether or not you mark off Black Friday on your calendar, chances are you’re wondering what bargains are out there this season. For instance, is it better to purchase a smartphone that Friday, or should you hold off until Cyber Monday? To help you break down what’s best to buy when, we turned to deal-hunting expert Rebecca Lehmann, manager of content marketing... 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