How Much Should an Office Holiday Party Cost?

Personal Finance

How Much Should an Office Holiday Party Cost?

How Much Should an Office Holiday Party Cost?

Mini Snickers Bars and Kit Kats are selling like hotcakes, which can only mean that Halloween is just over the orange-and-black horizon. And right after that is Thanksgiving and right after that is already the winter holidays. Questions and strong opinions arise: What are we doing for the break? Do we need to fly anywhere?... Read More

Can You Really Make Money With Your Smartphone?

Personal Finance

Can You Really Make Money With Your Smartphone?

Can You Really Make Money With Your Smartphone?

Smartphones don’t have to be just for communicating and having fun; they can also help make real money for your business. Mobile Web traffic is up 78% year over year. On Facebook alone, 37 million more people logged in through mobile than in 2012. Mobile is where people are — and where they’re engaged. Mobile... Read More

7 Best Apps for Small Businesses

Personal Finance

7 Best Apps for Small Businesses

7 Best Apps for Small Businesses

Keeping up with all of the moving parts and managing employees — all while trying to make your business profitable can be pretty demanding. Luckily, the Internet is here to help. There are mobile apps all over the market specifically designed to make life easier, but there are also a number of apps designed to... Read More

The Surprising Way the Election Could Affect Your Car Insurance

Personal Finance

The Surprising Way the Election Could Affect Your Car Insurance

The Surprising Way the Election Could Affect Your Car Insurance

Health insurance and car insurance. The two entities are ostensibly part of the same subsection of our lives — protecting our assets, protecting our selves. But throughout the 2012 Election one got infinitely more air time, while auto insurance was muted entirely. There’s good reason for this; President Obama used the political capital from his... Read More

College Students – 5 Tips to Protect Your First Credit Card

Students

College Students – 5 Tips to Protect Your First Credit Card

College Students – 5 Tips to Protect Your First Credit Card

Much has been written about the confounding (and compounding) mistakes made by college students and their handling of credit cards, so perhaps it’s best to instead focus on what students can do with their newfound credit to make the best four years of their lives even better. Here are 5 safe things college students should... Read More

Should Insurance Be Based on Credit Scores?

Credit Score

Should Insurance Be Based on Credit Scores?

Should Insurance Be Based on Credit Scores?

It’s not news that everything around didn’t always used to be the way it is now. Believe it or not, at one point people didn’t work in front of computers all day. There was a time before email when people wrote thoughtful letters to their mom on Mother’s Day. There was even a period when... Read More

6 Things Your Car Insurer Doesn’t Want You to Know

Auto Loans

6 Things Your Car Insurer Doesn’t Want You to Know

6 Things Your Car Insurer Doesn’t Want You to Know

Car insurance is something of an opaque industry. We know we have to pay the bill every month; we just have no clue how the carrier arrived at that rate. Everyone criticizes the cable company for hidden fees, but at least they’re on the bill. The hidden fees on your car insurance bill remain hidden... Read More

Credit Score Impact on Your Car Insurance Rates

Credit Score

Credit Score Impact on Your Car Insurance Rates

Credit Score Impact on Your Car Insurance Rates

We all know how important credit scores are. They follow us around and spring up whenever we make an important purchase in which our ability to make consistent payments is judged. Credit scores are most often associated with home mortgage rates, but how about car insurance quotes? Does a credit score determine how much you’ll... Read More

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