Staples Investigating Data Breach: What Should You Do?

Identity Theft

Staples Investigating Data Breach: What Should You Do?

Staples Investigating Data Breach: What Should You Do?

Staples stores in the northeastern U.S. may have been hit by a malware attack compromising an unknown number of customer credit and debit cards, security blogger Brian Krebs reported Oct. 20. Krebs’ sources in the banking industry told him of a pattern of fraud indicating a data breach that appeared to affect some stores in Pennsylvania,... Read More

Mortgage Rates Dip Below 4%

Mortgages

Mortgage Rates Dip Below 4%

Mortgage Rates Dip Below 4%

People thought it wouldn’t happen this year, but it did: Average 30-year fixed mortgage rates dipped below 4% last week, hitting their lowest level in 2014, Freddie Mac said in a news release. The 30-year fixed-rate mortgage averaged 3.97% last week, down from 4.12% the week prior and 4.28% the same time last year. That... Read More

How Our Holiday #SpendingFreeze Is Going: Week 2

Personal Finance

How Our Holiday #SpendingFreeze Is Going: Week 2

How Our Holiday #SpendingFreeze Is Going: Week 2

Inspired by a recent article, several Credit.com staffers are tracking their own personal spending freeze on social media. You can follow their progress as they stop spending and start preparing for the holidays using the hashtag #spendingfreeze on Facebook and Twitter. We’ll also be updating our readers weekly with our insights and struggles on the blog... Read More

How to Plan for Retirement When Your Spouse Won’t

Personal Finance

How to Plan for Retirement When Your Spouse Won’t

How to Plan for Retirement When Your Spouse Won’t

There are few things more frustrating than having a partner who won’t partner up and take care of business when it comes to retirement planning. When they live their lives without thinking about the future or doing anything about it, you are left holding the bag and in a world of worry. No bueno. You... Read More

How to Avoid Paying Too Much for a New Home

Mortgages

How to Avoid Paying Too Much for a New Home

How to Avoid Paying Too Much for a New Home

We all know buying a home is a big decision with its own set of challenges. The most difficult part usually comes first — calculating how much house you can afford. You will want to take a look at your free annual credit reports and credit scores too, since your credit scores are a major factor in the interest... Read More

Strange But True Stories of Debt Collection

Managing Debt

Strange But True Stories of Debt Collection

Strange But True Stories of Debt Collection

In 2005, our reader who goes by the screen name “frustrated in California” stopped paying on one of his credit cards. Now, nearly 10 years later, a collection agency is suing him and claims he made a payment of $200 in October 2010. He wrote: I know I did not make any payment, and under pressure, (the... Read More

13 Retailers Where You Can Use Apple Pay Today

Credit Cards

13 Retailers Where You Can Use Apple Pay Today

13 Retailers Where You Can Use Apple Pay Today

[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.] Apple Pay is now available to some iPhone and iPad users, with Monday marking the start of Apple’s... 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.

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.

Thanks for stopping by.

- The Credit.com Editorial Team