How to Get the Most Out of Your Chase Ultimate Rewards Program

Credit Cards

How to Get the Most Out of Your Chase Ultimate Rewards Program

How to Get the Most Out of Your Chase Ultimate Rewards Program

[UPDATE: This article was updated 3/9/18 by Brian Acton. 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.] If you have a Chase credit card, or you’re considering one, you’ve... Read More

9 Ways to Build Credit Without a Credit Card

Credit Score

9 Ways to Build Credit Without a Credit Card

9 Ways to Build Credit Without a Credit Card

UPDATE: Article Updated by Brian Acton 3/9/18 Credit cards are one of the best tools around for building credit. They’re easy to use, offer flexibility and (sometimes) rewards, and they directly affect many aspects of your credit score. But you may want to build credit without the help of a credit card. Maybe you have... Read More

How a Picture Could Rob You Blind

Identity Theft

How a Picture Could Rob You Blind

How a Picture Could Rob You Blind

Unless you live in a pineapple under the sea with a talking sponge, you’re probably familiar with the never-ending parade of cute animal pictures sent by text and email—friend to friend, email list to subscriber—and everywhere you look on social media. Hackers are counting on that. You’re no fool. You keep current on the news—specifically... Read More

7 Myths About Bankruptcy and Your Credit Debunked

Credit Score

7 Myths About Bankruptcy and Your Credit Debunked

7 Myths About Bankruptcy and Your Credit Debunked

UPDATE: Article Updated by Brian Acton 3/7/18 Filing for bankruptcy is devastating to your credit and can cause your credit score to plummet more than 200 points. But for people in dire straits, bankruptcy is a last resort that can help them liquidate assets, discard or pay off debts, and get some financial relief. If... Read More

How to Repair Your Credit When You’re Still in College

Credit 101

How to Repair Your Credit When You’re Still in College

How to Repair Your Credit When You’re Still in College

If you’re in college, you’re probably already worrying about getting good grades, covering your living expenses, and repaying student loans when you graduate. So, worrying about your credit score might not be your biggest concern. But it should be. The majority of those under 30 (67%) have a credit score under 680, and 38% have... Read More

5 Credit Cards for Moving Out on Your Own

Credit Cards

5 Credit Cards for Moving Out on Your Own

5 Credit Cards for Moving Out on Your Own

[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.] There are many reasons to move out on your own – you might be leaving your childhood home,... Read More

The Gig Economy: How to Get Your Side Hustle On

Personal Finance

The Gig Economy: How to Get Your Side Hustle On

The Gig Economy: How to Get Your Side Hustle On

These days, there are countless ways to earn money outside of the traditional 9-5. Whether you have unique scheduling needs or are trying to pad your existing income, we make heads or tails of the Gig Economy and explore the best options for earning cash on the side. Side hustles aren’t new, but up until... Read More

The 25 Cities with the Most Credit Card Debt

Credit 101

The 25 Cities with the Most Credit Card Debt

The 25 Cities with the Most Credit Card Debt

Credit card debt. It seems to be an inevitable part of life for many Americans. And, recent data suggests that it really is. According to the Federal Reserve, American credit card debt hit a record high in 2017, rising to more than $1 trillion. Many people carrying high balances on their credit cards will notice... Read More

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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