Parents spend years guarding their children from scrapes and cuts. However, some of the biggest damage done to their children’s well-being could come from identity theft. As parents send their children off to college, they should continue to protect their kids by monitoring their credit scores. Once thieves have young people’s sensitive information, including their dates... Read More
With good credit, buying a big-ticket purchase like a car should be a smooth process. However, if car buyers are victim to identity theft scams, they may struggle with getting the vehicle they originally had their eyes on. While car thieves could steal a vehicle worth thousands of dollars, identity thieves could do more serious financial damage.... Read More
Imagine the home of the future. While these smart homes may not be connected to transportation pods like in “The Jetsons” or have pizza hydrators like in “Back to the Future Part II,” one thing’s for sure: Abodes will be increasingly high-tech, relying on the Internet to function. The enhanced connectivity in smart homes could... Read More
While consumers and businesses may hope the rise in data breaches in 2014 marked the high, hackers and identity thieves may be gearing up for even bigger attacks this year. Looking forward to cyberthreats likely to emerge in 2015, IT security professionals are cautious about the state of data security. Here are three threats to watch out for in... Read More
We might have the notion of what an identity thief looks like: a criminal mastermind sitting in the dark, his stern face illuminated by a bank of computer monitors. In reality, the crimes and the criminals are much more mundane: A thief is more likely to stumble upon paper files left behind in a cab... Read More
During the holidays consumers are more giving and willing to open their wallets to spend on presents and donate to charity — something identity thieves count on. Thieves often prey on victims during the holidays through a variety of schemes to take their information and their money. Since the Grinch isn’t the only one out to... Read More
With technology driving business growth, more companies are implementing bring-your-own-device policies in the workplace. Almost two in three IT professionals believe employee carelessness is connected to major data breaches that exposed customer information, according to a study by IT security firm Check Point. With the risk of employees causing data breaches of customer and corporate information,... Read More
When he was a master identity thief in the 1960s, Frank Abagnale used to make his own fraudulent ID cards and forge checks. Immortalized in the critically acclaimed film “Catch Me If You Can,” Abagnale later turned his life around and became a respected anti-fraud expert. Now he is warning that lack of action from leaders... Read More
While companies can spend millions on their IT security systems to prevent cyberattacks and other common security risks, they may be fighting a losing battle if their worst enemy already has the password and unrestricted access to their systems. While breaches and other security events from external causes are difficult to detect, tracking insider attacks... Read More
In the aftermath of the Heartbleed Bug‘s discovery, the security flaw continues to spark security concerns. The Heartbleed Bug was revealed in many of the world’s most popular sites in April, and Internet users were shocked at its scope. From retail sites to social networks, it seemed as though no Internet giant was immune to... Read More
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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.
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.