How Are You Using Your Credit Card Rewards?

Credit Cards

How Are You Using Your Credit Card Rewards?

How Are You Using Your Credit Card Rewards?

It wasn’t long ago that a weak economy forced many Americans to abandon their summer travel plans and consider taking “staycations” at home. But after enjoying an economic recovery and enduring a long winter, the notion of staycations seems quaint as Americans are now prepared to take more vacations this year than last year. According... Read More

How to Make Your Good Credit Score Even Better

Credit Score

How to Make Your Good Credit Score Even Better

How to Make Your Good Credit Score Even Better

If you have good credit, it’s something to be happy about. Of course, there’s always room for improvement. In a recent Credit.com survey, most respondents said they felt a sense of pride the last time they saw one of their credit scores, but they’re also interested in improving. (It was a survey of 2,206 U.S.... Read More

Fannie & Freddie Get a Stay of Execution… for Now

Mortgages

Fannie & Freddie Get a Stay of Execution… for Now

Fannie & Freddie Get a Stay of Execution… for Now

Yet another ideological tug-of-war is happening in the Senate. This one has to do with what was billed as a bipartisan effort to eliminate the Federal National Mortgage Association and Federal Home Loan Mortgage Corporation (Fannie Mae and Freddie Mac) in favor of a private market solution for residential-mortgage loans. A group of Democratic senators... Read More

4 Fees You Shouldn’t Be Paying

Personal Finance

4 Fees You Shouldn’t Be Paying

4 Fees You Shouldn’t Be Paying

Creating a budget may not be at the top of your can’t-wait-to-do list, but it should be on your to-do list. The idea of a budget is to look at the money you have coming in and compare it with the money you have going out. It gives you a way to see where you... Read More

6 Simple Ways to Stretch Your Income

Managing Debt

6 Simple Ways to Stretch Your Income

6 Simple Ways to Stretch Your Income

Ever sat and thought about all the things you could do if you had more money? You’re not alone. But when it comes down to it, there’s probably very little spare change lying around. So, the first step is to figure out where you stand in terms of disposable income and make spending cuts. But deprivation... Read More

5 Quick Ways for Couples to Get Out of Credit Card Debt

Managing Debt

5 Quick Ways for Couples to Get Out of Credit Card Debt

5 Quick Ways for Couples to Get Out of Credit Card Debt

When you exchanged vows, did you take a moment to actually think about what you were committing to financially? In the standard version, there’s something in there about “richer or poorer,” which means that you agreed to stand by your partner’s side even when liabilities exceed assets. But it’s no secret that not all unions last... Read More

Is Pet Insurance Worth It?

Personal Finance

Is Pet Insurance Worth It?

Is Pet Insurance Worth It?

Monthly payments make up a large chunk of people’s budgets. When things are tight, putting one of those stubborn, fixed expenses on the chopping block is sometimes the best way to give your finances flexibility. Some are non-negotiable — student loans, utilities, rent or mortgage — but others can go. Do you really need cable?... Read More

Credit.com in the News 5.16.14

Personal Finance

Credit.com in the News 5.16.14

Credit.com in the News 5.16.14

This week, the European Union’s highest court ruled that Google must comply with its citizens’ requests to remove Internet search results. It’s called “the right to be forgotten,” and it doesn’t exist in the United States. Adam Levin, chairman and co-founder of Credit.com, analyzed the ruling and talked about how U.S. consumers can protect their... Read More

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Certain credit cards and other financial products mentioned in this and other articles on Credit.com News & Advice may also be offered through Credit.com product pages, and Credit.com will be compensated if our users apply for and ultimately sign up for any of these cards or products. However, this relationship does not result in any preferential editorial treatment.

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