One Political Mailer Speaks Volumes on Lack of Data Security Knowledge

Identity Theft

One Political Mailer Speaks Volumes on Lack of Data Security Knowledge

One Political Mailer Speaks Volumes on Lack of Data Security Knowledge

Did you hear the one about the Kentucky GOP candidate who asked his attorney general to investigate the state Democratic Party for allegedly sending out the Republican’s Social Security number and more personal information to thousands of constituents? Sorry to say, there’s no punch line here, because according to recent reports, it actually happened. Introducing... Read More

My Cat Killed My Credit

Personal Finance

My Cat Killed My Credit

My Cat Killed My Credit

Cats are generally low-maintenance: feed them, pet them (when they want you to!), and clean their litter boxes, and they are often happy. But like any pet, they can get sick or suffer accidents that can quickly result in large medical bills that could put your credit in jeopardy. Here are three stories of owners... Read More

At 3 Years Old, the CFPB Gives Americans a Soapbox

Personal Finance

At 3 Years Old, the CFPB Gives Americans a Soapbox

At 3 Years Old, the CFPB Gives Americans a Soapbox

America’s newest federal agency just turned 3 years old, and it continues to be the preferred punching bag for everyone from the American Bankers Association to politicians like Rep. Spencer Bachus (R-Ala.), who once famously and proudly proclaimed that, “Washington and the regulators are there to serve the banks.” The CFPB, on the other hand,... Read More

The Biggest Victim of the Debt Ceiling Deal: Your Retirement

Personal Finance

The Biggest Victim of the Debt Ceiling Deal: Your Retirement

The Biggest Victim of the Debt Ceiling Deal: Your Retirement

The catfights in Congress over the debt ceiling aren’t just an inside-the-Beltway problem — they’re already a Wall Street problem, and they’re becoming a Main Street problem. There was little to celebrate Wednesday night after the Senate passed the legislation to re-open the government until January and raise the debt ceiling until February — and... Read More

Politics Aside, Is Obamacare Secure?

Identity Theft

Politics Aside, Is Obamacare Secure?

Politics Aside, Is Obamacare Secure?

It’s the biggest change in health care in nearly half a century, and perhaps unsurprisingly it’s already become a tool for scammers. Though open enrollment under the Affordable Care Act (aka Obamacare) doesn’t begin until Oct. 1, scam artists – masquerading as government representatives — have tricked a number of consumers into coughing up personal... Read More

Big Hurdles for Student Loan Rate Agreement

Students

Big Hurdles for Student Loan Rate Agreement

Big Hurdles for Student Loan Rate Agreement

The interest rates on student loans issued by the federal government is set to double at the start of July if lawmakers cannot come to an agreement to extend the current rates. However, with just weeks until the deadline, federal officials say a number of obstacles still remain that would prevent the plan from going... Read More

Lawmakers Clash Over Student Loan Debt Reform

Students

Lawmakers Clash Over Student Loan Debt Reform

Lawmakers Clash Over Student Loan Debt Reform

Federal lawmakers have been mulling ways to address the growing problem of student loan debt and rising instances of delinquency and default on those accounts, but now conflicting views as to how to do so has stymied progress on Capitol Hill. There are only a few months to go for Congress to decide whether it... Read More

This Week in Credit News: Cliffs & Hangovers

Personal Finance

This Week in Credit News: Cliffs & Hangovers

This Week in Credit News: Cliffs & Hangovers

The biggest news this week is all about the pull-back from the fiscal cliff and the debt hangover that may be awaiting many consumers after shopping too much this holiday season. 4 Ways to Avoid the Holiday Debt Hangover You might have been searching for hangover cures a few days ago, but we have some... Read More

Show Me More

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