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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.

This Week in Credit News: Government Shake-Ups

Personal Finance

This Week in Credit News: Government Shake-Ups

This Week in Credit News: Government Shake-Ups

The biggest news this week is all about the shakeups in federal housing and education programs. FAFSA Changes Incorporate Same-Sex Couples Now The Department of Education announced a major policy change this week that will impact same-sex couples and their children. The Free Application for Federal Student Aid (FAFSA) will now take into account the... Read More

This Week in Credit News: Tax Day Aftermath

Personal Finance

This Week in Credit News: Tax Day Aftermath

This Week in Credit News: Tax Day Aftermath

The biggest news this week is the end of tax season, as Americans can stop worrying about Uncle Sam and start worrying about graduation and summer travel. 4 Tax Benefits You May Have Missed This Year Your taxes are (hopefully) filed and your W-2s can now be retired to your financial folder, but the April... Read More

This Week in Credit News: Obama’s New Budget

Personal Finance

This Week in Credit News: Obama’s New Budget

This Week in Credit News: Obama’s New Budget

The biggest news this week is all about the financial battle in Washington D.C. as President Obama released his proposed 2014 budget. FHA May Need Nearly $1 Billion Infusion, White House Forecasts With President Obama’s release of the new budget came some criticism from analysts, who found that the Federal Housing Administration may need a... Read More

This Week in Credit News: Financial Literacy Month Kicks Off

Personal Finance

This Week in Credit News: Financial Literacy Month Kicks Off

This Week in Credit News: Financial Literacy Month Kicks Off

The biggest news this week is all about Financial Literacy Month, which kicked off on Monday. President Obama Declares April As National Financial Capability Month The president, in a proclamation last week, declared April 2013 as Financial Capability Month, coinciding with Financial Literacy Month. President Obama said in his declaration that the purpose of this... Read More

Mortgages Still Top Consumer Woe

Personal Finance

Mortgages Still Top Consumer Woe

Mortgages Still Top Consumer Woe

Despite the fact that housing news in 2012 and 2013 has been pretty glowing — home prices are rising and credit is beginning to open up again — American’s top money complaint is still mortgages. The Consumer Financial Protection Bureau released its annual consumer complaint database snapshot Thursday, describing the financial woes that consumers have... Read More

This Week in Credit News: The New VantageScore 3.0

Personal Finance

This Week in Credit News: The New VantageScore 3.0

This Week in Credit News: The New VantageScore 3.0

The biggest news this week is all about the announcement from VantageScore Solutions that its newest version of its signature credit score would include some very consumer-friendly updates. Did Credit Scores Just Get Fairer? As one of the first news organizations to report that VantageScore would be releasing the new version of its brand-name credit... Read More

Is There a Season for Delinquencies?

Managing Debt

Is There a Season for Delinquencies?

Is There a Season for Delinquencies?

It may seem hard to believe, but right around the same time every year, a lot of people become delinquent on their auto loan payments. Using data from the Experian-Oliver Wyman Market Intelligence Reports and Experian’s IntelliView tool, we noticed a trend in auto loan delinquencies —  accounts 30-59 days delinquent have peaked in the fourth quarter and bottomed out... Read More

This Week in Credit News: Identity Theft Galore

Identity Theft

This Week in Credit News: Identity Theft Galore

This Week in Credit News: Identity Theft Galore

The biggest news this week is all about identity theft, after the Federal Trade Commission released a report stating that more Americans have reported being victims than ever before. Identity Theft Among Top Complaints Fielded by the FTC The FTC’s annual report examining the consumer complaints it has received showed that identity theft is on... 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