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Sean Bryant

In Credit Cards

Sean Bryant is a Denver-based freelance writer specializing in travel, credit cards and personal finance. With nearly 10 years of writing experience, his work has appeared in many of the industries’ top publications. He holds a Bachelor of Arts degree in economics.

6 Hacks for Using the Citi ThankYou Points Program

Credit Cards

6 Hacks for Using the Citi ThankYou Points Program

6 Hacks for Using the Citi ThankYou Points Program

If you surveyed a group of people about credit cards, it’s likely they would say pretty much the same thing: Their favorite cards are part of a transferable points program. That’s because these cards tend to have the most flexibility when it comes to redeeming rewards. One of these programs is Citi ThankYou. (Full Disclosure:... Read More

5 New Hyatt Hotels You Can Visit in 2017 for Free

Credit Cards

5 New Hyatt Hotels You Can Visit in 2017 for Free

5 New Hyatt Hotels You Can Visit in 2017 for Free

If you have been trying to figure out your next vacation destination, it’s understandable that you might be a little overwhelmed. There are so many amazing places around the world to experience. If you prefer to stay at Hyatt hotels, we put together a list of five new properties, in highly sought-after locations, that you... Read More

3 Hacks for Using the Chase Ultimate Rewards Program

Credit Cards

3 Hacks for Using the Chase Ultimate Rewards Program

3 Hacks for Using the Chase Ultimate Rewards Program

If you have a Chase credit card, or are considering getting one, you’ve likely heard of the Chase Ultimate Reward program. There are several rewards credit cards in the Chase repertoire (more on those in a minute) and, while they may have different reward structures, the reward program is the same. No matter which Ultimate Rewards... Read More

5 New IHG Hotels You Can Visit in 2017 for Free

Personal Finance

5 New IHG Hotels You Can Visit in 2017 for Free

5 New IHG Hotels You Can Visit in 2017 for Free

If you’re planning a vacation this year and are a fan of Intercontinental Hotel Group hotels, we’ve got some good news for you. The firm has recently opened five new hotels around the world — and, if you play your points right, you could score a stay in one free of charge. (Psst … if... Read More

How to Visit Disney World for Free (or Close To It)

Credit Cards

How to Visit Disney World for Free (or Close To It)

How to Visit Disney World for Free (or Close To It)

Anyone with kids understands that Disney World is a vacation they need to take at least once. After all, it’s the happiest place on earth. The only problem is, the place is expensive, and it’s only getting more so. In February, Disney announced they were raising ticket prices. Last year, Disney parks started implementing tiered... Read More

5 New Marriott Hotels You Can Visit in 2017 for Free

Credit Cards

5 New Marriott Hotels You Can Visit in 2017 for Free

5 New Marriott Hotels You Can Visit in 2017 for Free

There are a lot of new hotels opening up all around the world this year, including those by the ever-popular Marriott chain. So, before you plan your next vacation, make sure you check out some of the new properties Marriott has planned. One of these might help you cross a location off your bucket list and... Read More

4 Rewards Credit Cards for People Who Just Don’t Travel

Credit Cards

4 Rewards Credit Cards for People Who Just Don’t Travel

4 Rewards Credit Cards for People Who Just Don’t Travel

So many credit cards today offer cardholders travel rewards. Airline-branded cards focus on earning and redeeming miles with individual carriers. Hotel credit cards do the same with individual hotel chains. But what if travel isn’t your thing? If that’s the case, having a card for earning and redeeming points on travel is, well, kind of pointless. As a... Read More

5 New Starwood Hotels You Can Visit for Free

Credit Cards

5 New Starwood Hotels You Can Visit for Free

5 New Starwood Hotels You Can Visit for Free

As we move into spring break season, a lot of you may have vacation plans. If not, then it might be time to start planning a trip. Deciding where to go can be the hardest part of all, as your bucket list of locations may be pretty long. However, if you have credit card rewards, your travel plans will... Read More

Shattered Your New iPhone? Your Credit Card Might Have You Covered

Credit Cards

Shattered Your New iPhone? Your Credit Card Might Have You Covered

Shattered Your New iPhone? Your Credit Card Might Have You Covered

At some point in your life, you’ve probably dropped your smartphone. If it happened to be on the ground, you may have even shattered the glass. If you didn’t have insurance through your carrier, you probably thought you were out of luck. But if you purchased that phone with a credit card, you could have taken advantage of an underused benefit: purchase... Read More

How a Balance Transfer Affects Your Credit Score

Credit Cards

How a Balance Transfer Affects Your Credit Score

How a Balance Transfer Affects Your Credit Score

If you’re struggling with credit card debt that you just can’t seem to get out from under, one of the best ways to break free from that debt is to use a 0% balance transfer card. Doing so saves you money in the long run since you won’t be paying interest charges while you work on... Read More

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Certain credit cards and other financial products mentioned in this and other articles on Credit.com News & Advice may also be offered through Credit.com product pages, and Credit.com will be compensated if our users apply for and ultimately sign up for any of these cards or products. However, this relationship does not result in any preferential editorial treatment.

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