Instagram is a convenient and fun site for sharing your videos and photos with friends, family and colleagues. But the service, which by default allows anyone to view your profile, can leave you open to identity thieves if you don’t take steps to protect yourself. You can protect your privacy and personally identifiable information (PII)... Read More
If you’re on Facebook, you probably love the convenience of connecting with friends and relatives. But did you know that identity thieves also love the convenience of Facebook for finding personally identifiable information (PII) about you? Fortunately, you can control who can find and contact you and see your posts on Facebook. That’s why it’s... Read More
Think identity theft mostly happens to older people? Or to higher income earners? Or college students? The truth is that identity thieves focus their efforts wherever the opportunities are, and there are plenty of opportunities across all age groups. What Personal Factors Do Identity Thieves Focus On? At first glance, age could be considered an afterthought... Read More
For the 14th consecutive year, identity theft is the nation’s biggest headache for consumers, topping the annual rankings of filed complaints to the Federal Trade Commission. Of more than 2 million reports filed with the federal watchdog last year, 290,056 were related to identity theft. That’s about 14%, but remember: Many never report identity theft... Read More
The mercury is dropping around the country, but scammers are turning up the heat with a tried-and-true cold weather scam: the Shutoff Swindle. Bad guys pose as utility workers and threaten to shut off your service claiming unpaid bills. Their goal: To get your personally identifiable information to commit identity theft. They’ll encourage you to... Read More
Cupid has some competition this Valentine’s Day: Scammers are taking aim at your heart and pocketbook with scams that can lead to identity theft and more. Beware of these five sweetheart swindles and follow our expert tips to protect yourself: 1. Infected E-cards Online greeting cards are an easy way for scammers to infect your... Read More
Identity theft, which hits more than 12 million Americans per year — carries a per victim cost of nearly $5,000, according to some reports. So, the need to protect yourself is obvious. And protection doesn’t have to be costly in terms of money or time. Here are 10 quick, easy and free ways to reduce... 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.