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Tim Langevin

In Personal Finance, Identity Theft

Credit.com team member and personal finance contributor, Tim Langevin studied journalism at Columbia College, Chicago and graduated with a degree in Integrated Marketing Communications. Tim shares his unique insight on finding the best bargains and tips to help consumers stay on budget and in control. Have a question for our experts? Email them at CreditExperts@Credit.com.

Credit.com in the News 2/2/2013

Personal Finance

Credit.com in the News 2/2/2013

Credit.com in the News 2/2/2013

This week the experts from Credit.com contributed to a wide range of publications on subjects including identity theft, credit card swipe fees and managing old debts. Check out the hits… Credit.com’s Co-Founder and Chairman Adam Levin was called on by NBC to clear up the facts on the new credit card swipe fees that can... Read More

Credit.com in the News 1/26/13

Personal Finance

Credit.com in the News 1/26/13

Credit.com in the News 1/26/13

This week the experts from Credit.com contributed to a wide range of publications on subjects including tax identity theft, holiday spending hangovers, saving money and going paperless. Check out the hits… Credit.com’s Co-Founder and Chairman Adam Levin spoke to ABC News about the increasing ties of identity theft to taxes. Fraudulent tax return pop-up shops... Read More

Credit.com in the News 1/11/13

Personal Finance

Credit.com in the News 1/11/13

Credit.com in the News 1/11/13

This week the experts from Credit.com contributed to a wide range of publications on subjects including medical identity theft, identity ransom, saving money and building credit.  Check out the hits… Credit.com Co-Founder and Chairman Adam Levin spoke to the Daily Ticker on Yahoo Finance about seven ways to improve your credit score. Adam advocates for... Read More

Credit.com in the News – 12/22/12

Personal Finance

Credit.com in the News – 12/22/12

Credit.com in the News – 12/22/12

This week the experts from Credit.com contributed to a wide range of publications on subjects and this week it’s all about holiday spending. Our experts offer advice on a variety of spending options and how best to give this season  Check out the hits… What is in your stocking? Cash, credit cards or store cards?... Read More

Credit.com in the News 12/8/12

Personal Finance

Credit.com in the News 12/8/12

Credit.com in the News 12/8/12

This week the experts from Credit.com contributed to a wide range of publications on subjects including identity theft, tax fraud, personal data exposure, credit profile mishaps and DIY savings dos and don’ts. Check out the hits… Credit.com co-founder, Adam Levin spoke to WTOP about the startling rise in tax refund fraud. He attributes this troubling... Read More

Credit.com in the News 11/24/12

Personal Finance

Credit.com in the News 11/24/12

Credit.com in the News 11/24/12

This week the experts from Credit.com contributed to a wide range of publications on subjects including debt collect, identity theft, Hurricane Sandy and the pitfalls of Black Friday. Check out the hits… Credit.com Co-Founder and Chairman Adam Levin was on The Daily Ticker to discuss cybersecurity and how to prevent it. He brings up the... Read More

Credit.com in the News 11/17/12

Personal Finance

Credit.com in the News 11/17/12

Credit.com in the News 11/17/12

This week the experts from Credit.com contributed to a wide range of publications on subjects including debt collection, identity theft, Hurricane Sandy and what the election outcome means for your finances. Check out the hits… Credit.com Co-Founder and Chairman Adam Levin spoke to FoxNews.com about what the fiscal cliff could mean for the American worker.... Read More

Credit.com in the News 10/26/12

Personal Finance

Credit.com in the News 10/26/12

Credit.com in the News 10/26/12

This week the experts from Credit.com contributed to a wide range of publications on subjects including debt collection, identity theft, fraud and credit card marketing. Check out the hits… Credit.com Chairman and Co-Founder Adam Levin had a busy week sharing his wealth of knowledge about all things credit with several news outlets. First up, he... Read More

Credit.com in the News 10/20/12

Personal Finance

Credit.com in the News 10/20/12

Credit.com in the News 10/20/12

This week the experts from Credit.com spoke to the media, offering insight on online banking, mobile device security, credit scores, credit cards and debt. Check out the hits… 5 Online Mistakes That Put You In Jeopardy Credit.com co-founder Adam Levin spoke to Jessica Doyle at WUSA9 about what constitutes safe behavior online. He offers several... Read More

Credit.com in the News 10/13/12

Personal Finance

Credit.com in the News 10/13/12

Credit.com in the News 10/13/12

This week the experts from Credit.com contributed to a wide range of publications. Check out the hits… The big news this week at Credit.com is the new Bluebird prepaid card. Credit.com Editor in Chief Michael Schreiber spoke to Reuters about the recent jump in bank fee revenue even in the face of federal fee restrictions... 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