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Myles Ma

Reporter & Editor |  In Identity Theft

Myles is a writer and editor at Credit.com. Before joining Credit.com, he worked as a journalist for the Star-Ledger covering northern New Jersey. He’s also covered his home state for Patch.com and the Jersey Journal. He graduated from The College of New Jersey (notice a pattern?). He is adjusting to writing about topics outside of the Garden State.

Can Your Airline Credit Card Keep You From Getting Bumped?

Credit Cards

Can Your Airline Credit Card Keep You From Getting Bumped?

Can Your Airline Credit Card Keep You From Getting Bumped?

[Disclosure: Cards from our partners are mentioned below.] Getting bumped from a flight can be a trying experience, as evidenced by the viral video of a passenger being removed from a United Airlines flight. (Thinking of ditching United? Here are four solid airline credit card alternatives.) While the situation almost never gets that extreme, many airlines overbook flights... Read More

50 Ways to Save on Your Commute

Personal Finance

50 Ways to Save on Your Commute

50 Ways to Save on Your Commute

Commuting can eat up a huge amount of time and money. In fact, a 2015 survey found Americans spend an average of $2,600 a year on their commute, or about $10 a day. And it’s not only money spent, it’s also time — an average of 45 minutes a day, per the same survey —... Read More

15 Side Jobs Students Can Get Now to Pay for College Loans

Students

15 Side Jobs Students Can Get Now to Pay for College Loans

15 Side Jobs Students Can Get Now to Pay for College Loans

The total student loan debt balance in America reached $1.31 trillion at the end of 2016, according to the New York Federal Reserve. Student loan debt grew by $31 billion in the fourth quarter alone and it was already the second-biggest form of debt in the country behind housing debt. If you’re in school and expect... Read More

A New Credit Scoring Model Is On the Way: Here’s What to Expect

Credit Score

A New Credit Scoring Model Is On the Way: Here’s What to Expect

A New Credit Scoring Model Is On the Way: Here’s What to Expect

A new credit scoring model — expected to roll out in fall 2017 — aims to more accurately measure credit risk by using more historical data and machine-learning techniques while culling less reliable information. On Monday, VantageScore Solutions announced the release of the fourth version of its credit scoring model, to be used by the three national... 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).

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