10 Purchases You Shouldn’t Make With Your Credit Card

Credit Cards

10 Purchases You Shouldn’t Make With Your Credit Card

10 Purchases You Shouldn’t Make With Your Credit Card

Many credit cards offer a slew of incentives to consumers to use them — cash back and other rewards — and many protect the cardholder with zero liability in case of fraud. But credit cards are not always your best form of payment, and it sometimes may be in your better interest to keep them tucked away. Here... Read More

How to Host an Open House

Mortgages

How to Host an Open House

How to Host an Open House

Fortunately for sellers, home values are generally on the rise and interest rates remain historically low, making this a great time to put your house on the market in many parts of the country. Finding a buyer is an important step in the process, and there are some simple steps sellers can take to increase the... Read More

The Dangers of Borrowing Against Your 401K

Personal Finance

The Dangers of Borrowing Against Your 401K

The Dangers of Borrowing Against Your 401K

According to a recent TIAA-CREF survey, almost one in three Americans borrow against their employee retirement plans at one time or another. That must mean it’s a smart move…right? Wrong. As you’ll see, borrowing money from your 401(k) or other retirement plan at work can be one of the very worst financial moves you can... Read More

What’s the ROI of Higher Education?

Students

What’s the ROI of Higher Education?

What’s the ROI of Higher Education?

The demand for college-educated workers is on the rise. In our competitive job market, oftentimes a high school diploma is no longer sufficient, and a college education is more valuable than ever before. The earnings disparity between workers with a four-year degree or more compared to those without is highest among people under 35, according... Read More

How to Create a Get-Out-of-Debt Strategy

Managing Debt

How to Create a Get-Out-of-Debt Strategy

How to Create a Get-Out-of-Debt Strategy

Collection agencies, banks, personal loans — it might feel like reminders about your debt are everywhere. If you find yourself struggling for a repayment system, you may feel like you will never get out of debt. The first step in managing debt is understanding what you owe and how you should begin making the necessary payments.... Read More

How to Budget When You’re Going Back to College

Students

How to Budget When You’re Going Back to College

How to Budget When You’re Going Back to College

When you first started college, you were probably in a different place financially than you are while considering returning to higher education. This means calculating expenses will likely be a bit different as well — and your budget will have to change accordingly. It’s important to consider costs, time, employment and personal goals when you are... Read More

5 Times People Went to Jail for a Debt

Managing Debt

5 Times People Went to Jail for a Debt

5 Times People Went to Jail for a Debt

A 1983 Supreme Court ruling made it unconstitutional for judges to send people to prison because they were too poor to pay court fines, but Americans continue to find themselves in jail for unpaid debt. Actually, debtor’s prisons have been outlawed in the U.S. for more than 200 years, but local news and jail records... Read More

3 Shocking Medical Bill Stats

Personal Loans

3 Shocking Medical Bill Stats

3 Shocking Medical Bill Stats

More than half of Americans say they are sometimes or always confused by medical bills, possibly because few patients are offered cost estimates of treatment before they receive it. These findings are outlined in a recent report from TransUnion Healthcare based on a survey of more than 7,000 American household decision-makers with health insurance. Paying for... Read More

How Your Name Could Get You Scammed

Identity Theft

How Your Name Could Get You Scammed

How Your Name Could Get You Scammed

Your personally identifiable information (PII) is all around you, and much of it is impossible to protect. While your driver’s license and Social Security numbers are a significant part of the equation, you can take certain protective measures to keep those from prying eyes. Unfortunately, that’s not the case when it comes to more visible... Read More

5 Times Credit Card Rewards Are Worth It

Credit Cards

5 Times Credit Card Rewards Are Worth It

5 Times Credit Card Rewards Are Worth It

Credit card rewards can be somewhat controversial. Banks love to promote the smiling faces of their cardholders siting on some beach, while critics claim it is all a mirage. Certainly, those who spend more money or rack up debt in order to earn rewards will find that what they receive is never worth it (here... Read More

Show Me More

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.

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