Many of us love to shop online. It’s quick, convenient and you don’t have to leave your couch or get out of your pajamas. What’s not to love? Now imagine if you could save big bucks shopping online without having to comparison shop or search for coupons or coupon codes, which can often be time-intensive. If... Read More
Selling a home can be a long process. But it doesn’t have to be. According to Money, real estate experts at Realtor.com recently analyzed its home listings, tracking the data for the number of days each house was on the market and how many page views each house received. Realtor.com then compared that data with the houses’ features — like... Read More
If you feel like you’re getting nickel-and-dimed these days, you’re not alone. But you may be paying for products or services that are available for free – no wallet necessary. Here are six things you can get for free. 1. Wi-Fi (outside your home) If you’re like most people, you pay for Internet service at... Read More
Countless Americans ring in the new year determined to shed those few extra pounds around their midsection. But the new year is also a good time to sit down and take a good, hard look at your finances. Maybe you could add shedding debt to your list of New Year’s resolutions? If reducing your debt load... Read More
What better way to ring in the New Year than with savings at the checkout counter, especially when those potential savings are expected to continue throughout the year? According to price predictions for this year, there are a handful of essential household items that will cost less in 2016 than they did in 2015. “As the dollar... Read More
The higher your degree, the higher your pay? Not necessarily. According to the USA Today College partner network, the ticket to a number of lucrative and stable jobs – especially in the high-demand health care and technology sectors – is an associate degree, not a bachelor’s degree. If you’re looking for a high paying job... Read More
On the surface, it may seem that frugality is the best way to live your life if you’re looking to save yourself some green. But penny-pinching doesn’t always play out how you intended, and it can actually end up hurting you financially and otherwise, according to U.S. News & World Report. Here are five times when you may... Read More
Imagine if a lid on a coffee pod was preventing you from getting your much-needed morning cup of joe. It’s an unfortunate reality for many java lovers trying to use the Keurig 2.0 with an unlicensed K-cup. But a piece of tape and a pair of scissors can fix that. According to CNN Money, Keurig... Read More
The most recent IRS phone scam is raking in some big numbers: 90,000 complaints to the Treasury Inspector General’s Office and more than $5 million bilked from 1,100 victims. Consumers were first warned of the IRS scam in October, CNN Money said. Unfortunately, the con artists have continued to be wildly successful in cheating taxpayers out... Read More
Are you in the market for a new car? If you’re looking for a vehicle that’s easy on the wallet, especially when it comes to fuel economy, then you’re in luck. Consumer Reports tested a number of cars and ranked them according to the best and worst gas mileage. Here are some of CR’s top-ranked vehicles... 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.
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.
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