Who Do I Call If I Lost My Social Security Card?

Identity Theft

Who Do I Call If I Lost My Social Security Card?

Who Do I Call If I Lost My Social Security Card?

Article Update July 24, 2018. If you lose your Social Security card, you’ll have to order a replacement card from the Social Security Administration (SSA). But unfortunately, a simple phone call will not do the trick. Instead, you will have to apply online using a my Social Security account or supply verification to a Social Security office in... Read More

How To Make The Most Of Your Summer Side Hustle

Personal Finance

How To Make The Most Of Your Summer Side Hustle

How To Make The Most Of Your Summer Side Hustle

Warm weather means seasonal part-time jobs are cropping up in abundance! Whether you’re driving people around, renting out surfboards at the beach or scooping ice cream on the weekends, summer is a great time to make some extra cash. But instead of blowing it all by the time the calendar flips to September, consider these... Read More

What Happens When You Submit a Credit Report Dispute

Credit Score

What Happens When You Submit a Credit Report Dispute

What Happens When You Submit a Credit Report Dispute

Article Updated July 23, 2018. Finding a mistake on your credit report can be frustrating. Unfortunately, according to a Credit.com survey of credit report awareness, one in five consumers (21%) who have seen their credit reports say they found inaccurate information on their reports. Not only is that a lot of frustration, but the error may also have... Read More

Landlords and Credit Checks: What You Should Know

Credit 101

Landlords and Credit Checks: What You Should Know

Landlords and Credit Checks: What You Should Know

Article Updated July 20, 2018 You’ve found the perfect place to rent, and now the property manager tells you all you need to do is fill out an application, so she can run a credit check—gulp. Whether you’ve got great credit, bad credit, or no credit, credit checks probably make you a little uneasy. What... Read More

4 Reasons Adjustable Rate Mortgages are on the Rise

Mortgages

4 Reasons Adjustable Rate Mortgages are on the Rise

4 Reasons Adjustable Rate Mortgages are on the Rise

When it comes time to take out a mortgage on a property, there are many different types of loans available. From government-backed VA and FHA loans, to conventional fixed-rate 15-, 20-, or 30-year loans, there are lots of options to consider. One avenue you may not have considered — and may have even been warned against... Read More

What Credit Score Do I Need to Buy a Car?

Auto Loans

What Credit Score Do I Need to Buy a Car?

What Credit Score Do I Need to Buy a Car?

Article Updated July 18, 2018. If it’s time to purchase a new vehicle, you may be wondering about one obstacle that could get in your way: your credit. Maybe you’re unsure how good your credit is, and you don’t know what credit score is needed to buy a car either. It is better to educate... Read More

How to Get a Mortgage With Bad Credit

Mortgages

How to Get a Mortgage With Bad Credit

How to Get a Mortgage With Bad Credit

Article Updated July 17, 2018. While a 20% down payment and a great credit history are commonly recommended for buying a home, there are still ways you can be approved for a mortgage without them. The secret is finding your personal strengths as a potential homebuyer and overcoming your weaknesses. Why do Mortgage Lenders Care So Much... Read More

How to Consolidate Your Debt

Managing Debt

How to Consolidate Your Debt

How to Consolidate Your Debt

Article Updated July 16, 2018. Are you trying to figure out how to consolidate your debt? One of our readers, Ricky, wrote on the Credit.com blog that he is “trying to consolidate bills since divorce to get back on track.” Another reader, Norma, wrote: “I have too much credit card debt with high interest. I... Read More

How Much Will One Late Payment Hurt Your Credit Scores?

Credit Score

How Much Will One Late Payment Hurt Your Credit Scores?

How Much Will One Late Payment Hurt Your Credit Scores?

Article Updated July 13, 2018 You open your statement and discover you’re late on your credit card payment. Or you get a call from a collection agency about a medical bill you forgot to pay. Or you check your credit reports and discover a late payment is marring your otherwise perfect payment history. What happens if you... Read More

The Money Advice College Grads Never Get

Personal Finance

The Money Advice College Grads Never Get

The Money Advice College Grads Never Get

Recent college graduates get a lot of advice from a lot of directions. Mom, Dad, school friends, crazy Uncle Harry, the Internet, Instagram. Get a job, take a European vacation, don’t buy a car, move somewhere new, buy a professional wardrobe, go to grad school, follow your dreams, take that job offer now. But you’ll... Read More

Show Me 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.

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