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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.

New Grads: Stop Putting This Stuff on Your Resumes

Students

New Grads: Stop Putting This Stuff on Your Resumes

New Grads: Stop Putting This Stuff on Your Resumes

They say a blank page is an opportunity. For college students, a blank page very well may be a path to a first job in a long, fulfilling career. It is also an opportunity to screw up. A resume represents the first impression companies have of an applicant, and many human resources departments get hundreds,... Read More

How to Make Moving Back Home Work for You

Students

How to Make Moving Back Home Work for You

How to Make Moving Back Home Work for You

I’ve moved back home with my parents twice: Once after college to work at a nearby internship and again after breaking up with the person I was living with. My parents were, at least outwardly, cool about it both times. They never charged rent, which probably made me feel more guilty about mooching off them... Read More

The 10 Safest (& 10 Most Dangerous) States for Teen Drivers

Auto Loans

The 10 Safest (& 10 Most Dangerous) States for Teen Drivers

The 10 Safest (& 10 Most Dangerous) States for Teen Drivers

Teen drivers are safer in the Mid-Atlantic states than in the Midwest, according to an analysis by CarInsurance.com. The website analyzed the number of teen driver fatalities per capita, the strength of each state’s Graduated Driving License (GDL) laws, teen drinking and driving rates, teen emailing/texting and driving rates and average annual insurance costs for... Read More

10 States Where Foreclosures Still Reign Supreme

Mortgages

10 States Where Foreclosures Still Reign Supreme

10 States Where Foreclosures Still Reign Supreme

Foreclosure filings in April reached the lowest level since November 2005, according to data from ATTOM Data Solutions. Mortgages originated in the past seven years have performed relatively well, keeping foreclosure activity down, said Daren Blomquist, senior vice president at ATTOM. “Meanwhile, we are seeing an elevated share of repeat foreclosures on homeowners who often... Read More

What Employers Want From the Class of 2017

Students

What Employers Want From the Class of 2017

What Employers Want From the Class of 2017

Summer is near, and for the class of 2017, that means it’s about time to get a grown-up job. While we’re sure you’re all charming and talented, we wanted to help you by asking jobs experts what recruiters want to see from new graduates this summer. Hopefully these tips can help you polish your resume... Read More

15 ZIP Codes With the Most Underwater Properties

Mortgages

15 ZIP Codes With the Most Underwater Properties

15 ZIP Codes With the Most Underwater Properties

Nearly a tenth of homes with a mortgage in the United States were considered “seriously underwater” at the end of the first quarter of 2017, according to statistics from ATTOM Data Solutions. These homes — all 5.5 million of them — are not physically flooded, though the situation is nearly as alarming: A property is... Read More

U.S. Bank Launches New Card With Big Travel Rewards

Credit Cards

U.S. Bank Launches New Card With Big Travel Rewards

U.S. Bank Launches New Card With Big Travel Rewards

[Disclosure: Cards from our partners are mentioned below.] U.S. Bank introduced a new credit card Monday that offers a $325 annual travel credit and three points back for each dollar spent on travel and mobile wallet purchases. The card is available immediately to most existing customers only, but there is a way you can get... 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