6 Ways to Save Money at Whole Foods

Personal Finance

6 Ways to Save Money at Whole Foods

6 Ways to Save Money at Whole Foods

If you love the quality of food and other items you can pick up at your local Whole Foods, but aren’t a fan of the expense of shopping there, you aren’t alone. That said, wouldn’t you like to know that you could actually save money by grocery shopping at Whole Foods? Here are six tips on... Read More

How to Get a Loan for a Manufactured Home

Mortgages

How to Get a Loan for a Manufactured Home

How to Get a Loan for a Manufactured Home

If you’re looking to purchase a manufactured home, or if you already own one and want to refinance, here are some things to keep in mind. Manufactured homes are not the same thing as modular homes. Manufactured homes are constructed, purchased at a dealer, and then moved to their final destination where they are permanently... Read More

Why Aren’t Americans Moving Anymore?

Mortgages

Why Aren’t Americans Moving Anymore?

Why Aren’t Americans Moving Anymore?

January is a good time to take stock of your career, and with the economy perking up, perhaps you should to consider making a dramatic change. After all, what’s more American than relocating for opportunity? But even as careers get shorter — the average millennial will have seven jobs by age 28 — and the... Read More

A Month-by-Month Guide to Accomplishing Your 2017 Financial Goals

Personal Finance

A Month-by-Month Guide to Accomplishing Your 2017 Financial Goals

A Month-by-Month Guide to Accomplishing Your 2017 Financial Goals

New Year’s resolutions are fundamentally flawed. The idea of doing something for an entire year is both daunting, unpractical and, frankly, a little boring. So let’s try something new in 2017. We’re going to take a single resolution – getting your finances in order – and break it up into 12 easy-to-accomplish, month-long goals. By... Read More

How to Scam-Proof Your Taxes

Identity Theft

How to Scam-Proof Your Taxes

How to Scam-Proof Your Taxes

Happy New Year, it’s tax fraud season again! This may not be what you want to hear this week, but it is entirely possible the Internal Revenue Service already has your tax return for 2016. If this is news to you, and it turns out to be true in your case, you’ve been scammed. As... Read More

5 Credit Cards That Can Help You Pay Off Holiday Debt

Credit Cards

5 Credit Cards That Can Help You Pay Off Holiday Debt

5 Credit Cards That Can Help You Pay Off Holiday Debt

The holiday season is officially over, and you’ve probably started assessing the damage done to your credit card balance. While no official numbers have been released, most were expecting retail sales to increase compared to 2015. If you ended up spending more than you had originally planned, don’t let it ruin the start to your... Read More

6 Tips for Managing Money in a Same-Sex Marriage

Personal Finance

6 Tips for Managing Money in a Same-Sex Marriage

6 Tips for Managing Money in a Same-Sex Marriage

Like Cinderella before midnight, in June 2015, when same-sex marriage was finally legalized in the U.S., many in our queer community tied the knot without knowing if our wedding shoes fit. It wasn’t until these couples said, “I do,” that many asked, “And what about money, retirement, children, career and life goals?” Unlike in fairytales,... Read More

How to Pay Off Your Holiday Debt in 30 Days

Managing Debt

How to Pay Off Your Holiday Debt in 30 Days

How to Pay Off Your Holiday Debt in 30 Days

Now that the holiday lights are fading and the joy of gift-giving has dimmed, there’s a good chance you’re facing a December credit card balance you just can’t quite pay off in full. The National Retail Federation predicted back in November that Americans would spend an average of $935.58 during the 2016 holiday shopping season. And, if... 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