Paige DiFiore is the Editorial Assistant at Credit.com and is a Journalism student at Marist College and the blogger behind eyelinerwingsandprettythings.com. She loves soft kittens, sharp wit and even sharper eyeliner wings.
Food is best served with a side of savings and restaurants with apps (that’s applications, not appetizers) that make it even easier to spend less. If you’re planning to order in, eat out or grab a quick bite, you might as well be rewarded for it. Even if you’re on a budget, there are a... Read More
This summer there’s some good news. June foreclosure activity has dropped to its lowest level since November 2015. In June 2017, there were a total of 73,828 U.S. properties with a foreclosure filing, down 22% from a year ago and even more from previous years. This is all according to ATTOM Data Solutions, curator of... Read More
You don’t need a ring on your finger to know that weddings are expensive. In fact, according to The Knot, the average wedding costs around $32,641. Honeymoons can often be put on the back burner when it comes to wedding expenses, because most dreamy tropical islands and European cities aren’t cheap. But with some careful... Read More
Most people will agree that pets are worth the cost, but a new member of the family doesn’t have to lead to a lot of debt. A lot of people treat their pets like children. Like kids, pets can be expensive. Feeding your pet is a necessary cost, so you might as well save on... Read More
There’s a tiny chance of winning the lottery, but that doesn’t stop Americans from buying tickets. This past year, income from state lotteries was a combined $66.8 billion. LendEDU, a student loan marketplace, conducted a study that looked at states that spent the most on lottery tickets. The study consisted of 43 states. The seven... Read More
The only thing nicer than enjoying buttery popcorn and a new film is doing so while saving money. Movie theater concessions are infamously pricey, which is why most of us have fond memories of trying to see how many bags of chips and bottles of soda we could smuggle into the theater in our purses and pockets.... Read More
There are few things as satisfying and dangerous as online shopping. When you’re not swiping your card or handing over cash, it’s easy to overspend and forget that online shopping is still shopping. While there isn’t a Google Chrome extension to pry the computer mouse out of my hand while I browse the Sephora website,... Read More
The sun is shining, watermelon is officially in season and the park nearby is simply begging for a picnic to be had. Picnics are a simple and affordable way to bring people together and have fun in the sun, but like most things in life, the cost can add up if you don’t plan carefully. Avoid... Read More
If you’re dreaming of a vacation home but also have a budget to manage, there’s some great news for you. Throughout the U.S., there are plenty of places where a vacation home can be accessible and budget friendly. If you can afford it, these locations are definitely worth looking into for a summer vacation home. Remember,... Read More
With staggering student loans, fewer affordable starter homes and lower earnings than the previous generation, young adults own fewer homes than ever. Considering the reputation millennials have in the media for poor financial skills — avocado toast, anyone? — it’s no surprise the millennial generation is very slowly entering the home buying market. Although millennials are... Read More
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.
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