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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.

Follow Friday: Weekly Web Roundup (11/18/11)

Personal Finance

Follow Friday: Weekly Web Roundup (11/18/11)

Follow Friday: Weekly Web Roundup (11/18/11)

This week our favorite blogs have given us helpful tips for keeping up healthy credit scores and even getting free vacations out of it.  As always, if you enjoy any of our favorite bloggers, we encourage you to follow them on Twitter for regular updates. And don’t forget to follow Credit.com at @CreditExperts. View From... Read More

Follow Friday: Weekly Web Roundup (10/28/11)

Personal Finance

Follow Friday: Weekly Web Roundup (10/28/11)

Follow Friday: Weekly Web Roundup (10/28/11)

This week we give you several reasons to care about credit, including saving thousands from low mortgage rates, securing your most personal data and receiving payments on your smartphone. Your credit knowledge, savvy and scores will dictate your financial future and there’s no better time to keep your eye on the ball than now. As... Read More

Follow Friday: Weekly Web Roundup (10/14/11)

Personal Finance

Follow Friday: Weekly Web Roundup (10/14/11)

Follow Friday: Weekly Web Roundup (10/14/11)

New protection acts that grant us more financial security are on the rise. Our children have a better shot at preserving their identity and some job applicants with bad credit may have a better shot of snagging a job. Layaway is back in a big way and credit cards are getting a surge of popularity.... Read More

Follow Friday: Weekly Web Roundup (9/23/11)

Personal Finance

Follow Friday: Weekly Web Roundup (9/23/11)

Follow Friday: Weekly Web Roundup (9/23/11)

As most tuned-in adults do, you may have concerns about your financial security. We understand, and have included several ways to protect yourself and reap rewards with wisdom, not just with worry. Sometimes it pays to play by the rules and sometimes it pays not to play at all. Finding your balance is always the... Read More

Credit Line Radio Question: Retirement, Credit Card Use and Credit Scores

Credit Cards

Credit Line Radio Question: Retirement, Credit Card Use and Credit Scores

Credit Line Radio Question: Retirement, Credit Card Use and Credit Scores

On The Credit Line, a weekly radio show hosted by Adam Levin, Credit.com’s chairman and co-founder, caller Maurice from Surprise, Ariz., asked if a drastic decrease in credit card use due to layoff, retirement, etc., would negatively affect his credit score. The answer is no. Using your card less frequently does not change your credit... Read More

Follow Friday: Weekly Web Roundup (9/16/11)

Personal Finance

Follow Friday: Weekly Web Roundup (9/16/11)

Follow Friday: Weekly Web Roundup (9/16/11)

Being prepared is one of the best ways to promote prosperity in all aspects of life. Credit, debt, lending and borrowing are especially important areas to do some background work for. We’ve included some smart ways to stay ahead of the curve and how to recover from unforeseen pitfalls. As always, if you enjoy any... Read More

Back-to-School Identity Protection Check List

Identity Theft

Back-to-School Identity Protection Check List

Back-to-School Identity Protection Check List

When we think of college images, books, pizza boxes, dorm rooms and kegs may come to mind. Unfortunately, there’s another that’s probably less apparent—some jerk behind a computer ripping these kids off. The most targeted demographic for identity theft consists of those between the ages of 18 to 24. College may be a good time... Read More

What to Do When You’re a Victim of a Data Breach

Identity Theft

What to Do When You’re a Victim of a Data Breach

What to Do When You’re a Victim of a Data Breach

Gone are the carefree days of popping Pac-Man or Frogger into your Atari 2600 without worrying about your personal information jumping across lily pads into the hands of a hacker. Case in point: a breach of personal information associated with Sony Playstation accounts affected approximately 77 million users earlier this year. In the wake of... Read More

Follow Friday: Weekly Web Roundup (9/9/11)

Personal Finance

Follow Friday: Weekly Web Roundup (9/9/11)

Follow Friday: Weekly Web Roundup (9/9/11)

We’re going back to basics this week, offering you all the news, advice and tips in the world of credit. This week’s topics include new innovations and revelations. They also include tips and advice on how to choose the best card and to improve your credit score. As always, if you enjoy any of our... Read More

Show Me More by Tim Langevin

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