How to Start Building Credit Once You Turn 18

Credit Score

How to Start Building Credit Once You Turn 18

How to Start Building Credit Once You Turn 18

UPDATE: Article Updated by Brian Acton 4/2/18 Good credit is crucial to unlocking many financial opportunities in life. When you have a great credit score, you will see lower interest rates on car loans, credit cards, and mortgages. Some employers and landlords even check credit reports before they make a job offer or approve a... Read More

10 Taxes Determined by your Location

Taxes

10 Taxes Determined by your Location

10 Taxes Determined by your Location

While the U.S. is one unified country, there are 50 different states within our union. And thanks to the tenth amendment, each state has the freedom to do many things according to the preferences of only its state legislature (voted on by that state’s citizens), as opposed to the nation at large. For this reason,... Read More

A Single Parent’s Financial Guide

Personal Finance

A Single Parent’s Financial Guide

A Single Parent’s Financial Guide

Raising kids takes a lot of time, patience, love, and of course, money. Life as a single parent is a great deal of work, and you play multiple roles in the rearing and nurturing of your children. Budgeting and financial planning is a challenge for numerous people regardless of their marital or income statuses. As... Read More

Student Loan Collateral Damage

Personal Loans

Student Loan Collateral Damage

Student Loan Collateral Damage

When we think about the $1.45 trillion student loan crisis, we normally imagine struggling, young, recent college graduates. We often don’t think about the collateral damage among families that overwhelming school debt can inflict, but that’s a fast-growing problem. Almost all private student loans require a co-signer, and increasingly, the parents and grandparents tied to... Read More

Home Buying Tips for Women in Single Income Households

Mortgages

Home Buying Tips for Women in Single Income Households

Home Buying Tips for Women in Single Income Households

The real estate website Estately recently conducted a study showing how the continued gender wage gap in America affects home affordability and ownership for women. To answer this question Estately used 2016 U.S. Census data to compare men’s and women’s median salaries in the 50 most populated U.S. cities. Based on those salaries (and assuming... Read More

15 Easy Ways to Prepare for Tax Season

Taxes

15 Easy Ways to Prepare for Tax Season

15 Easy Ways to Prepare for Tax Season

It’s important to give tax preparation its deserved attention — not only to appease the Internal Revenue Service, but, more importantly, to ensure you get the return you deserve. You’re entitled to certain savings during the tax season, but it’s your responsibility to find them. Follow these steps to ease the tax preparation process, and... Read More

15 Key Tax Tips For 2018

Taxes

15 Key Tax Tips For 2018

15 Key Tax Tips For 2018

Tax laws are changing, and many taxpayers might be wondering what that means and how it will affect them. For the tax year 2017, it will be the last time you file under the old set of guidelines. Who knows what the future holds (while this is the largest tax overhaul since the 1980s, each... Read More

15 Reasons to Invest After Retirement

Credit 101

15 Reasons to Invest After Retirement

15 Reasons to Invest After Retirement

The time has finally come: you’re ready to retire. For many, this means living off savings or social security, but in reality, now that you’re unemployed it’s time you started making real money. Investing after retirement is a great way to continue making income, cover expenses in lieu of a regular paycheck, and stay plugged... Read More

Even Financial Expands Partnership with Credit.com

News

Even Financial Expands Partnership with Credit.com

Even Financial Expands Partnership with Credit.com

[DISCLOSURE – This article was originally published by Even Financial] Even’s Technology Now Powering Credit.com’s Personal Loan Marketplace New York, NY – March 14, 2018 – Even Financial, the technology platform powering financial services online, has expanded its strategic partnership with Credit.com, a go-to source for expert information about credit scoring, credit reporting, credit cards and... 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.

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.

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- The Credit.com Editorial Team