Credit 101

Our Credit.com experts are here to provide you with a practical, real world credit education. They’ll teach you credit basics such as: what is a credit report & score, how to shop for credit & score is & how to understand & compare APRs. They’ll also brief you on the type of credit products available and how to evaluate which one is right for you.

A Simple Guide to the Different Kinds of Credit Bureaus

A Simple Guide to the Different Kinds of Credit Bureaus

A Simple Guide to the Different Kinds of Credit Bureaus

You may hear people talk about their credit report as if there is only one, coming from one source. But that’s just not the case. There are many credit reports and credit bureaus out there. When you review your credit, chances are that it is coming from one of the “big three” — Equifax, Experian... Read More

Can I Check My Dead Relative’s Credit Reports?

Can I Check My Dead Relative’s Credit Reports?

Can I Check My Dead Relative’s Credit Reports?

Losing a loved one can be incredibly difficult, particularly if you are responsible for handling their estate. On top of the emotion and loss, there is the planning, paperwork and daunting task of paying off any debts they might owe — daunting because sometimes finding all their accounts can be difficult. Fortunately, the three major credit... Read More

How Soon Can a Creditor Send My Account to a Debt Collector?

How Soon Can a Creditor Send My Account to a Debt Collector?

How Soon Can a Creditor Send My Account to a Debt Collector?

One of the worst things you can do to your credit is miss a bill payment, because of all the things that go into credit scores, payment history has the greatest impact. But missing payments on non-credit accounts — like rent, a cellphone bill or utility payments, which aren’t traditionally reported to credit bureaus or... Read More

How Old Do I Have to Be to Check My Credit?

How Old Do I Have to Be to Check My Credit?

How Old Do I Have to Be to Check My Credit?

With thieves now stealing the identities of children, it’s becoming increasingly important to get a credit report at an earlier age. It’s always crucial to know if your own data has been compromised. If you’re 14 or older, you can request a copy of your credit report, according to the credit bureau Experian. If you’re younger, your... Read More

4 Things to Do If Your Credit Is Giving You #PhelpsFace

4 Things to Do If Your Credit Is Giving You #PhelpsFace

4 Things to Do If Your Credit Is Giving You #PhelpsFace

Michael Phelps is one of the greatest swimmers of all time. He has the most Olympic medals of all time. And, as we have now learned, he has the greatest side-eye of all time. Last night, #PhelpsFace became an instant meme after cameras caught Phelps’ epic death stare, directed toward rival swimmer Chad le Clos... Read More

I Have No Credit History. What Does That Mean?

I Have No Credit History. What Does That Mean?

I Have No Credit History. What Does That Mean?

In case you haven’t noticed, we get really excited about people checking their credit. We know that when people know what’s affecting their credit, then they will have a better idea of how to make their credit better. It’s not just us — a survey recently came out saying that regularly checking your credit can... Read More

6 Universal Truths About Credit Reports

6 Universal Truths About Credit Reports

6 Universal Truths About Credit Reports

Credit reports: They’re complicated. You can’t really argue with that sentiment: They are long and often unwieldy; there are three major versions of them, and they can affect more facets of your life — like, say, your ability to get certain jobs — than you may think. Fortunately, there are some things that are true, no matter... Read More

Do You Start With a Credit Score of ‘0’?

Do You Start With a Credit Score of ‘0’?

Do You Start With a Credit Score of ‘0’?

When you think about it, credit scores have a lot in common with the SATs: They stress people out, involve tough-to-answer questions and play a huge role in determining whether your applications (albeit for financing) get denied. There’s another notable similarity, too, which you may not know about: When it comes to credit scores, you can’t get a zero. The... Read More

4 Credit Score Myths That Are Totally Wrong

4 Credit Score Myths That Are Totally Wrong

4 Credit Score Myths That Are Totally Wrong

We all know that your credit score is really important, so it’s no surprise that you’d want to increase your credit score whenever possible. First, it’s important to know what your credit score says about you. It’s a measure of your creditworthiness. It’s not a measure of your wealth. It’s not a measure of how... 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