4 Ways to Get Max Value From Discover Cash Back Rewards

Credit Cards

4 Ways to Get Max Value From Discover Cash Back Rewards

4 Ways to Get Max Value From Discover Cash Back Rewards

[DISCLOSURE: Cards from our partners are mentioned below.] There are a lot of cashback rewards programs out there, so it is important to compare them and have a full understanding of what they each offer to make sure you find the one that is right for you. With that in mind, we thought we would break... Read More

Amex Ups the Ante With Its Serve Prepaid Debit Card

Credit Cards

Amex Ups the Ante With Its Serve Prepaid Debit Card

Amex Ups the Ante With Its Serve Prepaid Debit Card

[Update: Some offers mentioned below have expired. For current terms and conditions, please see card agreements. Disclosure: Cards from our partners are mentioned below.] For decades, banks have offered their customers debit cards, which they originally called check cards. But recently, a new generation of debit cards — prepaid debit cards — are being offered by companies... Read More

5 Credit Cards to Help You Build Your Baby’s Nursery

Credit Card Reviews

5 Credit Cards to Help You Build Your Baby’s Nursery

5 Credit Cards to Help You Build Your Baby’s Nursery

[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.] If you recently learned you’re having a baby, you may already be thinking about how to prepare your home. For many... Read More

10 Tax Deductions You Could be Missing

Credit 101

10 Tax Deductions You Could be Missing

10 Tax Deductions You Could be Missing

It’s almost tax season again! Before you file, it might be a good idea to do some research about the changes that we can expect to see from the Tax Cuts and Jobs Act. If you itemize and plan to continue doing so, it’s worth your time to find out what has changed. While your... Read More

Homebuyer’s Remorse Is Real: Here’s Why You Get It and How to Move On

Mortgages

Homebuyer’s Remorse Is Real: Here’s Why You Get It and How to Move On

Homebuyer’s Remorse Is Real: Here’s Why You Get It and How to Move On

After buying my first home in December 2016, I expected to experience nothing but positive feelings and a sense of accomplishment. Instead, I felt unease, fear, and self-doubt. “Did we make the right decision buying this home?” I often wondered in the months after moving in. I didn’t realize my homebuying “hangover” wasn’t unusual. In... Read More

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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.

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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