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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 (3/24/11)

Personal Finance

Follow Friday: Weekly Web Roundup (3/24/11)

Follow Friday: Weekly Web Roundup (3/24/11)

This week’s roundup includes stories about improvements for consumers. Some of them are coming around legislatively, some of them are coming from the consumers themselves and some are barely improvements at all. Still, they are improvements nonetheless. We encourage you to follow the contributors you enjoy on twitter for regular updates. And don’t forget to... Read More

Follow Friday: Weekly Web Roundup (3/18/11)

Personal Finance

Follow Friday: Weekly Web Roundup (3/18/11)

Follow Friday: Weekly Web Roundup (3/18/11)

This week’s roundup hits home on many of the topics we’ve recently been covering.  These blogs have plenty of  insight on everything from the interchange fee battle on Capital Hill to the mortgage modification debacle and the Obama Administration’s sweeping plan to help consumers and stabilize the housing market. Plus, an inside look at online... Read More

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

Personal Finance

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

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

This week we uncover the huge financial benefits of being informed. You may be paying a higher APR than you need to, or you might be listening to outdated advice. Your credit score may very well be racking you up higher interest on your bills. In finance, like every other part of life, knowledge is... Read More

TweetChat Recap: Credit Experts NCPW 3/9/11

Personal Finance

TweetChat Recap: Credit Experts NCPW 3/9/11

TweetChat Recap: Credit Experts NCPW 3/9/11

In honor of National Consumer Protection Week, Credit.com hosted a TweetChat with Credit Expert, Beverly Harzog.  The discussion focused on where consumers are vulnerable now. Beverly gave great advice concerning online accounts, travel spending and debt collection practices.  Thank you to everyone who participated this afternoon!  If you missed it, here’s a quick recap of... Read More

TweetChat: Join Credit.com’s Beverly Harzog March 9 at 2 pm ET

Personal Finance

TweetChat: Join Credit.com’s Beverly Harzog March 9 at 2 pm ET

TweetChat: Join Credit.com’s Beverly Harzog March 9 at 2 pm ET

In honor of National Consumer Protection Week, we invite you to join Credit.com and credit expert Beverly Harzog for a discussion on RFID credit card scams, children’s online protections, and rules surrounding ZIP code verification at points of purchase, this Wednesday, March 9th, at 2:00pm (EST). We’re interested in hearing how you feel about these... Read More

Follow Friday: Weekly Web Roundup (3/4/11)

Personal Finance

Follow Friday: Weekly Web Roundup (3/4/11)

Follow Friday: Weekly Web Roundup (3/4/11)

This week we rounded up experts looking at credit in new ways, credit counselors that cause concern and consumers that fight the good fight. If you want to take back the power from the banks –or need debt relief solutions –this week’s top picks will speak to you. We encourage you to follow any of... Read More

Follow Friday: Weekly Web Roundup (2/25/11)

Personal Finance

Follow Friday: Weekly Web Roundup (2/25/11)

Follow Friday: Weekly Web Roundup (2/25/11)

This week we’re bringing you the best of the web and focusing on credit’s past, present and future. We’re looking back at the CARD Act, measuring its results along with our healthier relationship with credit, to give us a better view of what’s working. Of course, we’re not out of the woods yet so we... Read More

Follow Friday: Weekly Web Roundup (2/18/11)

Personal Finance

Follow Friday: Weekly Web Roundup (2/18/11)

Follow Friday: Weekly Web Roundup (2/18/11)

This week we bring to you the best advice and new statistics on credit and your finances. Whether it’s keeping your identity safe, your marriage sound or protecting your financial future –we have the best of the blogs. Remember, if you like any of our weekly favorites, we encourage you to follow them on twitter... Read More

TweetChat: Join Credit.com’s Gerri Detweiler Tomorrow Morning

Personal Finance

TweetChat: Join Credit.com’s Gerri Detweiler Tomorrow Morning

TweetChat: Join Credit.com’s Gerri Detweiler Tomorrow Morning

Join Credit.com and personal finance expert, Gerri Detwieler, for a discussion on the debit card swipe fee hearings –tomorrow morning, February 17th at 10:00am (EST). Gerri will be tweeting live during the hearing for the Federal Reserve’s Proposed Rule on Interchange Fees, filling us in on how this proposed rule will impact consumers and businesses... Read More

TweetChat Recap: Credit.com Credit Experts

Personal Finance

TweetChat Recap: Credit.com Credit Experts

TweetChat Recap: Credit.com Credit Experts

Earlier today, Credit.com hosted our first Credit Experts TweetChat on Twitter.  A big thank you to everyone who participated this afternoon!  For those that missed it, we had Credit.com’s Farnoosh Torabi online to answer your questions about student loans, paying for college, financial aide and dealing with student loan debt. I’ve included some of the... 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