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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 (6/10/11)

Personal Finance

Follow Friday: Weekly Web Roundup (6/10/11)

Follow Friday: Weekly Web Roundup (6/10/11)

Banks are taking large and small-scale hits after losing a hard-fought battle over debit fees and having the foreclosure tables turned by a plucky homeowner. This week’s bloggers bring you these stories as well as tips on how to save on student loans and payday loan alternatives. As always, if you enjoy any of our... Read More

Follow Friday: Weekly Web Roundup (6/3/11)

Personal Finance

Follow Friday: Weekly Web Roundup (6/3/11)

Follow Friday: Weekly Web Roundup (6/3/11)

A common thread in this week’s Follow Friday Weekly Web Roundup— and in the financial product industry as a whole— is “borrower beware.” Building credit and having a nice cash flow for the finer things in life are fantastic achievements, but in order to get there we caution everyone to be certain of what you’re... Read More

Follow Friday: Weekly Web Roundup (5/27/11)

Personal Finance

Follow Friday: Weekly Web Roundup (5/27/11)

Follow Friday: Weekly Web Roundup (5/27/11)

We’re on the verge of new payment technology that could make our lives a lot easier. Unfortunately, we may be paying for these convinces with the risk of identity theft. We’ve also included a credit card best practices post that offers great tips for healthy credit use. And we can’t leave out the graduating class... Read More

TweetChat Today: Jean Chatzky Answers Your Questions! #DebtDiet

Managing Debt

TweetChat Today: Jean Chatzky Answers Your Questions! #DebtDiet

TweetChat Today: Jean Chatzky Answers Your Questions! #DebtDiet

Join Credit.com and personal finance expert Jean Chatzky for a Tweet Chat today, Thursday May 19th, at 11:00 a.m. PST / 2:00 p.m. EST in to kick off our collaboration on The Debt Diet Challenge. We’re looking for five people to try out Jean’s Debt Diet. Those selected to participate will have full access to... Read More

Follow Friday: Weekly Web Roundup (5/13/11)

Personal Finance

Follow Friday: Weekly Web Roundup (5/13/11)

Follow Friday: Weekly Web Roundup (5/13/11)

This week, we bring you the sweet and the sour with posts about both financial relief and turmoil. In a glass half-full spirit, we invite you to enjoy your finances, but to always remember that caution is a virtue. As always, if you enjoy any of our favorite bloggers, we encourage you to follow them... Read More

Follow Friday: Weekly Web Roundup (5/6/11)

Personal Finance

Follow Friday: Weekly Web Roundup (5/6/11)

Follow Friday: Weekly Web Roundup (5/6/11)

In finance, trust isn’t a virtue. This week’s stories come with a cautionary tale reminding us to watch our backs when handling our finances. Credit cards, checking accounts and loans are often essential, but sometimes deceptive and punitive. As always, if you enjoy any of our favorites, we encourage you to follow them on Twitter... Read More

Follow Friday: Weekly Web Roundup (4/28/11)

Personal Finance

Follow Friday: Weekly Web Roundup (4/28/11)

Follow Friday: Weekly Web Roundup (4/28/11)

It’s our most sensational roundup yet! This week we bring you stories with shocking statistics, crazy crimes and magical purchases. As always, if you enjoy any of our favorites, we encourage you to follow them on Twitter for regular updates. And don’t forget to follow Credit.com at @CreditExperts. Belief in Magical Change Fuels Credit Card... Read More

Follow Friday: Weekly Web Roundup (4/21/11)

Personal Finance

Follow Friday: Weekly Web Roundup (4/21/11)

Follow Friday: Weekly Web Roundup (4/21/11)

We’re happy to bring you this week’s roundup of our favorite blogs! We included stories on the triumphs of practical lending, downfalls of credit dependency, and the new more positive sentiment toward banks. As always, if you enjoy any of our favorites, we encourage you to follow them on Twitter for regular updates. And don’t... Read More

Follow Friday: Weekly Web Roundup (4/15/11)

Personal Finance

Follow Friday: Weekly Web Roundup (4/15/11)

As always, we’ve found you the best whistle-blowers, tip-givers and truth-tellers in the blogosphere. This weeks topics include dark practices coming to light and how to protect yourself in the financial jungle. There’s even a story that claims bad credit is the new good credit when applying for jobs! And as always, if you enjoy... Read More

Follow Friday: Weekly Web Roundup (4/1/11)

Personal Finance

Follow Friday: Weekly Web Roundup (4/1/11)

Follow Friday: Weekly Web Roundup (4/1/11)

>As always we’re bringing you our favorite blogs of the week. Check out the articles below for new facts, helpful tips and unique insight into your finances. We even included an incredible game to play with your friends and your credit cards!  Be careful –if you lose, you may be left picking up the bill! ... 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