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.

15 Tips to Protect Your Credit While Traveling

15 Tips to Protect Your Credit While Traveling

15 Tips to Protect Your Credit While Traveling

Ahh, vacation. You wait all year, or maybe several years, to take a hard-earned trip. Once you do, you want to be able to relax. No matter where, or why, your travels take you away from home, the last thing you should have to worry about is your credit being compromised while you’re gone. But... Read More

Teach Your Kids to Avoid These Common Credit Mistakes

Teach Your Kids to Avoid These Common Credit Mistakes

Teach Your Kids to Avoid These Common Credit Mistakes

Achieving financial literacy should be a goal for every American. Adults with a firm understanding of personal finance, credit cards, and credit are more likely to avoid money troubles. And financial education is best started in childhood, before most kids have the power to make independent financial decisions. Despite the importance of financial literacy, many... Read More

10 Tax Deductions You Could be Missing

10 Tax Deductions You Could be Missing

10 Tax Deductions You Could be Missing

It’s almost tax season again! Before you file, it might be a good idea to do some research about the changes that we can expect to see from the Tax Cuts and Jobs Act. If you itemize and plan to continue doing so, it’s worth your time to find out what has changed. While your... Read More

Single? Here’s How You Can Stay Safe This Valentine’s Day

Single? Here’s How You Can Stay Safe This Valentine’s Day

Single? Here’s How You Can Stay Safe This Valentine’s Day

Let’s face it, even without the threat of fraud and scams, Valentine’s Day can be treacherous. Choose the wrong gift or a bouquet of least-favorite flowers, write the wrong note, and whatever was slightly wrong in your love life can go completely haywire. St. Valentine wore an amethyst ring while he cut hearts (from paper)... Read More

10 Ways to Give Back While Repairing Your Credit

10 Ways to Give Back While Repairing Your Credit

10 Ways to Give Back While Repairing Your Credit

Credit repair is a long process and can take years. However, life doesn’t stop just because you’re trying to bump up your credit score. If you’re in the process of trying to repair your credit, or just building it up for the first time, you might find yourself on a strict budget. However, that doesn’t... Read More

10 Ways to Approach the Credit Talk When You’re Getting Married

10 Ways to Approach the Credit Talk When You’re Getting Married

10 Ways to Approach the Credit Talk When You’re Getting Married

Financial matters can be an uncomfortable or touchy subject to discuss with friends and loved ones. However, if you’re about to walk down the aisle with someone, it’s important to have an honest discussion about credit. After all, “till death do us part,” means you’re essentially inheriting each other’s credit for that long, too. Since... Read More

Debt Relief: How Will It Affect Your Credit?

Debt Relief: How Will It Affect Your Credit?

Debt Relief: How Will It Affect Your Credit?

Many people ask, What’s the best way to get out of debt? Then they may often think, But I have good credit and I really don’t want to hurt it. There are many ways to lighten your debt load, and not all of them will have a major negative effect on your credit. But it’s... Read More

Can You Be Denied a Rental Home Because of Bad Credit?

Can You Be Denied a Rental Home Because of Bad Credit?

Can You Be Denied a Rental Home Because of Bad Credit?

The most well-known consequence of having bad credit is trouble g etting loans or credit cards, but a low credit score can also make it difficult to find a place to live. Landlords, especially large property-management companies, will likely check your credit report before approving your lease, and there are plenty of negative items that landlords see... Read More

Will Debt Consolidation Help or Hurt Your Credit?

Will Debt Consolidation Help or Hurt Your Credit?

Will Debt Consolidation Help or Hurt Your Credit?

From student loans to a house mortgage, debt accumulation is stressful and overwhelming. As you make moves to get out of debt, you might want to consider consolidating credit cards or other loans to save you time and money. But that begs the question—does debt consolidation help or hurt your credit? The answer depends on... Read More

What Does Charged Off Mean?

What Does Charged Off Mean?

What Does Charged Off Mean?

Finding the words charged off on your credit report isn’t good news. It can be scary and confusing when you don’t understand what it means or how it happened. The name itself isn’t helpful either. People often misinterpret the meaning, which can lead to more costly mistakes with your credit. Learning what charged off means... Read More

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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.

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.



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