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Kali Geldis

Editorial Director |  In Personal Finance, Credit Cards

Kali Geldis is Credit.com’s Editorial Director. She writes about a wide range of personal finance and credit topics. She previously ran MainStreet, the personal finance website powered by TheStreet. She has also worked for The Wall Street Journal as a Dow Jones Newspaper Fund intern and at The Huntington Herald-Dispatch as a reporter.

10 Home Improvement Projects You Can Do in a Day

Personal Finance

10 Home Improvement Projects You Can Do in a Day

10 Home Improvement Projects You Can Do in a Day

To the uninitiated, home renovations sound daunting and conjure painful images of burning cash. But don’t let that scare you. Many projects can be done in a day, and if you’re smart about it, says Kerrie Kelly, founder of Kerrie Kelly Home Design Lab, they’ll boost curb appeal without breaking your budget. “Whether it’s something... Read More

12 Times You Can Sue a Debt Collector

Managing Debt

12 Times You Can Sue a Debt Collector

12 Times You Can Sue a Debt Collector

It’s every consumer’s worst nightmare: You’re busy at work, mired in debt, and your cellphone keeps ringing. You’re doing your best to pay off that bill, but the unknown number flashing on your phone’s screen is a dismal reminder you haven’t. “Most people want to pay their debt, they just run into bad situations where... Read More

Why I Keep a Burner Email Account

Identity Theft

Why I Keep a Burner Email Account

Why I Keep a Burner Email Account

When the news hit that Hillary Clinton had a private email account that she used in her duties as Secretary of State, I thought, “Doesn’t everyone?” Maybe that’s my default reaction as a millennial who has picked up and dropped about 10 email addresses over the past decade or so. But it’s also because the... Read More

How I Cut My Food Budget $600 in 6 Months

Personal Finance

How I Cut My Food Budget $600 in 6 Months

How I Cut My Food Budget $600 in 6 Months

I opened up my budget tracking tool last November and my jaw dropped — I had spent $1,200 on food that month. That’s when I knew I had to make a change. Now, a few notes about that $1,200 total: That includes groceries, restaurants, bars and fast food. Also, November was a month I prepared... Read More

7 TV Moms With Bad Credit

Credit Score

7 TV Moms With Bad Credit

7 TV Moms With Bad Credit

As Mother’s Day quickly approaches, we’re taking some time to honor the amazing television moms who’ve made their mark on pop culture. Credit can be a very confusing topic for many Americans, and it’s often possible to learn from someone else’s mistakes. Since credit mistakes in the real world are a lot less funny than they... Read More

Does the Latest Target Data Breach News Up the Ante?

Identity Theft

Does the Latest Target Data Breach News Up the Ante?

Does the Latest Target Data Breach News Up the Ante?

If you’re one of the 40 million victims of the massive Target data breach, it looks like you’re in good company. Target announced Friday in a press release that it has unearthed evidence that more customer information was compromised in last month’s data breach than was originally suspected. After originally stating in December that credit... Read More

Healthcare Credit Cards Latest Target of CFPB

Credit Cards

Healthcare Credit Cards Latest Target of CFPB

Healthcare Credit Cards Latest Target of CFPB

The Consumer Financial Protection Bureau announced its latest enforcement action Tuesday, ordering GE Capital Retail Bank and subsidiary CareCredit to refund as much as $34.1 million to consumers who thought they were signing up for interest-free credit cards, but the cards accrued interest to be applied at the end of a promotional period. The refunds,... Read More

This Week in Credit News: Holidays Heat Up

Personal Finance

This Week in Credit News: Holidays Heat Up

This Week in Credit News: Holidays Heat Up

The biggest credit news this week is all about the holidays, as many Americans get a jump start on their holiday gift plans. Giving Gifts? You May Get a Tax Bill Though many Americans aren’t giving away tens of thousands of dollars for the holidays, it’s still important to understand how taxes may impact your... Read More

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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