If your kids are like mine, they turn to you the day after Halloween and already know what costume they want for next year. Of course, that desire rarely stays the same come the following October, so you can’t really costume shop that early. But once Halloween is approaching, your kids decide exactly what to... Read More
Every fall, many larger retailers release their list of the top hot holiday toys. Kids tend to flock toward the items on these lists. While parents and family members want to get the things kids want, there are obstacles that come up. That doesn’t mean you won’t get the toys your kids are dreaming of,... Read More
What can you do to cut your budget? This is one of the common questions people have. You’ve already done everything you can, but it still does not work. I remember when my husband and I were struggling after I quit my job to stay home with our first-born. It was tough, and we all... Read More
If you take a look at your spending, are you really being as smart as possible? It may seem like it at first glance, but if you really sit down and think about it, you may be actually making mistakes with your finances and not even realize it. This can mean you’re overspending or missing opportunities... Read More
You are getting married. Congratulations! You may know what you want to have for your special day, but your caviar dreams probably can’t be met on your beer budget. While your wedding should be your dream come true, it should also not send you into mountains of debt either. Here are some things you can... Read More
If you own a home, you most likely have homeowners insurance (it’s typically required to secure a mortgage). You know your insurance policy covers your home and the possessions inside it in the event of a fire or theft, but you may not realize there are many things which are not covered by your homeowners... Read More
Grocers often spend countless time and resources researching to know how you shop and then may use this data to get you to buy more. I’ve figured out some of these tactics — you may want to read them before you shop so you don’t fall victim to spending more than you intended. 1. Purchase... Read More
Expecting a child is an exciting time in a couple’s life. It is fun to plan and get everything ready in anticipation of the little one’s arrival. Of course, if you are on a tight budget, that can make planning more difficult or even sometimes stressful. While you will register and hopefully receive some of... Read More
Many Americans struggle to make ends meet. This often results in both financial and marital stress for couples. After digging out from under more than $37,000 in debt, my husband and I changed the way we look at money and now, we live beneath our means. Changing the way that we looked at money was... Read More
Getting your kids involved in extracurricular activities helps them both socially and physically. It teaches them the importance of teamwork and discipline. They have an opportunity to develop skills and learn self-confidence. While these are great for kids and often activities parents encourage, they can be a bit taxing on the wallet. There are ways to save... Read More
Certain credit cards and other financial products mentioned in this and other sponsored content on Credit.com are Partners with Credit.com. Credit.com receives compensation if our users apply for and ultimately sign up for any financial products or cards offered.
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.