We all know that the best way to make money grow is to invest — but the stock market can be a scary, unpredictable beast to those who don’t have experience with it. That’s why many choose to invest in real estate — whether it’s for your own home’s equity, buying homes to flip them,... Read More
One of the things many of us think about as children is growing up and buying a house. It seems like the crux of reaching adulthood. But if you take the leap into homeownership before you’re ready, you could quickly fall into a financial disaster that may take years from which to recover. So before... Read More
[UPDATE: Some offers mentioned below have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace. DISCLOSURE: Cards from our partners are mentioned below.] When it comes to debt, we each tend to think of different types of debt in different ways.... Read More
What do you think of when you hear the word “debt”? Do the words “frustrated”, “shameful” or “hopeless” describe how you feel about your situation? As someone who’s working to get out of debt myself, I can attest to all of those feelings and more. So now what if we flip the script? How about... Read More
[UPDATE: Some offers mentioned below have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace. DISCLOSURE: Cards from our partners are mentioned below.] December has arrived, which means the holidays are in full swing. In a perfect world, we all would... Read More
This time of year can be festive, magical, and … stressful. If you’re in a relationship, this stress can almost completely overshadow the fun of the holidays. Not only are you expected to buy gifts for each other, but you may also need to travel to visit each other’s families, buy new outfits for these... Read More
Do you enjoy holiday shopping but fear it at the same time? It can often seem like holiday shopping is the quickest way to defeat the budget you’ve kept the whole year. And now that Black Friday is starting a day early, it may feel even more like the holidays are working against you. So... Read More
We all love budgeting, right? No? How about budgeting as a couple? Yikes. I know, relationships can be complicated enough without adding the stress of personal finance into the mix. However, if you and your partner keep the lines of communication open and constant, then you may find that budgeting together can actually be fun!... Read More
There’s been a lot of recent buzz around the price of college education and no one seems to be able to escape the heat of tuition costs anymore. Adding fuel to the fire are scams that seek to exploit young borrowers. Which is why you should be aware of the prevalent scams that affect students... Read More
Are you heading off to your first year of college? Congratulations! College is the first time many get to enjoy independence and explore their dreams. So what do you need to do to make sure the next four years are some of the best of your life? One thing you can do is get your... 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.
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.