What GOP Health Care Means for Your Wallet

Personal Finance

What GOP Health Care Means for Your Wallet

What GOP Health Care Means for Your Wallet

Will you be better or worse off if Republicans pass their version of health care reform? That’s the burning question for most Americans as they watch the arm wrestling going on in Washington, D.C. As with the health care debate itself, there are no easy answers. The bill being debated right now, the American Health Care... Read More

7 Easy Ways to Lower Your Cable Bill

Personal Finance

7 Easy Ways to Lower Your Cable Bill

7 Easy Ways to Lower Your Cable Bill

Cable television can be an expensive line item on your monthly budget, especially if you’re looking at giving your finances a fresh start. You may be paying for a long list of channels when you only watch a handful, or maybe your promotional offer just expired and your rates flew up. But you don’t have to be... Read More

What Not to Do With Your Tax Refund

Personal Finance

What Not to Do With Your Tax Refund

What Not to Do With Your Tax Refund

It’s that time of year again when tax refunds are on everyone’s mind. A tax refund check can be a wonderful addition to your checking account; a sizable amount can even bring new financial opportunities your way. But if you don’t spend that check from Uncle Sam responsibly, it can also put you in debt.... Read More

5 Things Every Student Loan Borrower Needs to Know

Students

5 Things Every Student Loan Borrower Needs to Know

5 Things Every Student Loan Borrower Needs to Know

Have you looked at the cost of attending college recently? The price of tuition and fees has increased, on average, $280 per year for the last decade, according to College Board. That adds up over time, so it’s no wonder many turn to student loans to afford their education. But now that you’re approaching the... Read More

3 Hacks for Using the Chase Ultimate Rewards Program

Credit Cards

3 Hacks for Using the Chase Ultimate Rewards Program

3 Hacks for Using the Chase Ultimate Rewards Program

If you have a Chase credit card, or are considering getting one, you’ve likely heard of the Chase Ultimate Reward program. There are several rewards credit cards in the Chase repertoire (more on those in a minute) and, while they may have different reward structures, the reward program is the same. No matter which Ultimate Rewards... Read More

5 Basic Credit Lessons to Teach Your Kids

Credit 101

5 Basic Credit Lessons to Teach Your Kids

5 Basic Credit Lessons to Teach Your Kids

Your parents may have prepared you as best they could for the financial realities of adulthood, or they could have left you to figure it all out for yourself. But if you were taught the basics of finance and credit before you left the nest, you may have encountered less of a learning curve than... Read More

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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.

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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