25 Secret Santa Gift Ideas under $25

Personal Finance

25 Secret Santa Gift Ideas under $25

25 Secret Santa Gift Ideas under $25

The much-loved Secret Santa game is an office favorite. But with a budget to follow, it can be tough to find the right gift at the right price—and you don’t want to give something no one wants. To help you out, we’ve found gifts under $25 that are on budget and on trend. Public Supply... Read More

4 Credit Cards to Make Your Commute Easier

Credit Cards

4 Credit Cards to Make Your Commute Easier

4 Credit Cards to Make Your Commute Easier

[UPDATE: Some offers mentioned below have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace. DISCLOSURE: Cards from our partners are mentioned below.] A rough commute can really add to the stress of a long workday. Crowded trains and buses, stop-and-go traffic, and the... Read More

The Widow or Widower’s Guide to Social Security Benefits

Personal Finance

The Widow or Widower’s Guide to Social Security Benefits

The Widow or Widower’s Guide to Social Security Benefits

The loss of a spouse is devastating, and in that situation, the last thing you want to worry about is money. Unfortunately, as a widow or widower, money is often one of the most important things to think about. And Social Security benefits are usually one of the first—and trickiest—financial resources to navigate. To help... Read More

How to Determine Your House Payment: The Quick Formula

Mortgages

How to Determine Your House Payment: The Quick Formula

How to Determine Your House Payment: The Quick Formula

When you’re shopping for a house and considering a mortgage loan, establishing what you can afford for house payments can be a lengthy process. You have to run calculations, get updated payment scenarios from your mortgage company, and determine whether or not you can qualify. With all these moving parts, we hope it comes as... Read More

10 Things to Know Before Getting a Credit Card

Credit Cards

10 Things to Know Before Getting a Credit Card

10 Things to Know Before Getting a Credit Card

If you’re thinking of getting one of the zillions of credit cards out there, make sure you know these 10 nuggets of credit card wisdom before signing up. A credit card is not a debit card If someone asked you to explain the difference between a credit card and a debit card, what would you... Read More

FICO vs. VantageScore: 5 Differences You Should Understand

Credit Score

FICO vs. VantageScore: 5 Differences You Should Understand

FICO vs. VantageScore: 5 Differences You Should Understand

When you think credit score, you probably think FICO. Since the Fair Isaac Corporation introduced its FICO scoring system in 1989, “What is my FICO score?” has become a common question. FICO scores have burrowed their way into all kinds of lending decisions, most notably mortgages, credit cards, and rentals. But over the last decade... Read More

6 Credit Cards with 0% Balance Transfer APRs

Credit Cards

6 Credit Cards with 0% Balance Transfer APRs

6 Credit Cards with 0% Balance Transfer APRs

[DISCLOSURE: Cards from our partners are mentioned below.] One way to save some money if you’re carrying credit card balances is to transfer the balance on one credit card with a high interest rate to another card with a lower rate. Some cards even offer 0% APRs for the first few months—potentially saving you a... Read More

Dress to Impress with These 3 Credit Cards

Credit Cards

Dress to Impress with These 3 Credit Cards

Dress to Impress with These 3 Credit Cards

[UPDATE: Some offers mentioned below have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace. DISCLOSURE: Cards from our partners are mentioned below.] Office jobs often require you to maintain a professional image. And while dress codes aren’t as strict as they used to... 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.

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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.

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- The Credit.com Editorial Team