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Josh Smith

Content Manager |  In Mortgages

Josh is the Content Manager at Credit.com. He works with leaders and experts in the credit industry to create educational and timely articles that consumers can use to make more informed decisions.

The 25 Cities with the Most Credit Card Debt

Credit 101

The 25 Cities with the Most Credit Card Debt

The 25 Cities with the Most Credit Card Debt

Credit card debt. It seems to be an inevitable part of life for many Americans. And, recent data suggests that it really is. According to the Federal Reserve, American credit card debt hit a record high in 2017, rising to more than $1 trillion. Many people carrying high balances on their credit cards will notice... Read More

15 Things Credit Experts Want You to Know

Credit 101

15 Things Credit Experts Want You to Know

15 Things Credit Experts Want You to Know

If you’ve ever argued with your credit card company about anything (and a lot of us have), then you probably know there are a great deal of fine print and hoops to jump through when it comes to credit cards. It doesn’t matter if you’re a seasoned, habitual swiper, or you’re brand new to the... Read More

15 Ways to Benefit from Rising Interest Rates

Personal Finance

15 Ways to Benefit from Rising Interest Rates

15 Ways to Benefit from Rising Interest Rates

You’ve heard the saying, “what goes up, must come down.” This is true of interest rates, which means that interest rates must also go back up now that they’ve dropped down. We’re just coming out of a period of historically low interest rates, and the economy is strong. When that happens, the Federal Reserve usually... Read More

15 Tips to Protect Your Credit While Traveling

Credit 101

15 Tips to Protect Your Credit While Traveling

15 Tips to Protect Your Credit While Traveling

Ahh, vacation. You wait all year, or maybe several years, to take a hard-earned trip. Once you do, you want to be able to relax. No matter where, or why, your travels take you away from home, the last thing you should have to worry about is your credit being compromised while you’re gone. But... Read More

15 Budgeting Tips for Building an Emergency Fund

Personal Finance

15 Budgeting Tips for Building an Emergency Fund

15 Budgeting Tips for Building an Emergency Fund

An emergency fund is an important asset that you will hopefully never have to use. What some perceive as frivolous expense is really a key part of planning for the future. Any number of unwelcome occurrences could prompt withdrawal from an emergency account — from medical bills to a broken refrigerator. For anyone other than... Read More

10 States Predicted to Have Strong Housing Markets in 2018

Mortgages

10 States Predicted to Have Strong Housing Markets in 2018

10 States Predicted to Have Strong Housing Markets in 2018

The housing market in the U.S. has experienced a major uptick over the past two years. In 2016, existing home sales were the strongest they’ve been since 2006. More than a decade after the worst housing crisis in U.S. history, it seems we’re finally in a sustainable recovery period. As we enter 2018, the housing... Read More

10 TED Talks that Will Help You Set Financial Goals

Personal Finance

10 TED Talks that Will Help You Set Financial Goals

10 TED Talks that Will Help You Set Financial Goals

TED is a non-profit organization that formed in 1984 with the goal of spreading ideas in areas of technology, entertainment, and design, and has slowly evolved to include everything from global issues to academic topics. Ideas are shared via short “talks” — speeches given by experts in their fields. They’ve gained even more popularity since... Read More

How to Save Money While Paying Off Student Loans

Student Loans

How to Save Money While Paying Off Student Loans

How to Save Money While Paying Off Student Loans

Surely we’ve all been taught that 10% of our income should go into a savings account, but this can be difficult to do when you’re paying off hundreds of dollars every month in student loans. Those of us with student loans to repay know it can be tough to juggle debts and saving. Even though... Read More

Top 10 Financially Stable Cities in America

Mortgages

Top 10 Financially Stable Cities in America

Top 10 Financially Stable Cities in America

The global economic outlook is strong, according to recent information from Goldman Sachs. The firm predicts that global growth will reach 4 percent in the next year. The U.S. economy as we head into the new year is showing strong momentum and the unemployment rate is already below what the Federal Reserve deems as sustainable.... Read More

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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.

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).

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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.

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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.

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- The Credit.com Editorial Team