5 Reasons Not to Search for Those Nude Celebrity Photos

Identity Theft

5 Reasons Not to Search for Those Nude Celebrity Photos

5 Reasons Not to Search for Those Nude Celebrity Photos

A not-so funny thing happened to the Internet over Labor Day weekend. It was nearly trampled to death in a digital stampede for photographs of nude celebrities including Jennifer Lawrence, Ariana Grande, Mary Elizabeth Winstead, Kate Upton, Rihanna and others. More than 100 celebrities “made” the list. How did the pictures wind up online? The best... Read More

Home Depot Investigates Possible Credit Card Breach

Identity Theft

Home Depot Investigates Possible Credit Card Breach

Home Depot Investigates Possible Credit Card Breach

Home Depot Inc. is investigating a potential credit card data theft incident, the store told security researcher Brian Krebs on Monday, according to a post on Krebs’ website. The theft is similar to the massive hack that hit Target stories last year, Krebs reported, and might include thousands of Home Depot locations. In a subsequent... Read More

4 Money Lessons From the Movies

Personal Finance

4 Money Lessons From the Movies

4 Money Lessons From the Movies

Movies can teach us all about different aspects of our life — and can be a great option for a cheap night out. Whether you are watching a comedy, a drama, a thriller or even a children’s movie, you can often learn financial lessons without even trying. And while movies are intended to be entertaining and not... Read More

Could Rental Cats Threaten the Russian Economy?

Mortgages

Could Rental Cats Threaten the Russian Economy?

Could Rental Cats Threaten the Russian Economy?

Given the recent speculation that state-sponsored Russian hackers may be behind recent data breaches at major U.S. financial institutions, in retaliation for U.S. and EU sanctions proposed and imposed against Russia in the wake of the crisis in the Ukraine, we though it appropriate to take a closer look at Russian banking policies. In particular,... Read More

The Quick Guide to Cheap Textbooks

Students

The Quick Guide to Cheap Textbooks

The Quick Guide to Cheap Textbooks

You’re smart enough to get into college; so don’t pay the stupid tax on new textbooks. The simple trick of buying used textbooks could save a regular college student thousands of dollars. The College Board estimates that current freshmen at four-year public schools can expect to pay about $4,800 in total costs for books and... Read More

When a Data Breach Is an Inside Job

Identity Theft

When a Data Breach Is an Inside Job

When a Data Breach Is an Inside Job

While companies can spend millions on their IT security systems to prevent cyberattacks and other common security risks, they may be fighting a losing battle if their worst enemy already has the password and unrestricted access to their systems. While breaches and other security events from external causes are difficult to detect, tracking insider attacks... Read More

What Do Your Credit Card Numbers Mean?

Credit Cards

What Do Your Credit Card Numbers Mean?

What Do Your Credit Card Numbers Mean?

[Update: Some offers mentioned below have expired. For current terms and conditions, please see card agreements. Disclosure: Cards from our partners are mentioned below.] Most Americans carry around some sort of credit or debit card, embossed with a 15- or 16-digit card number on the front. But what exactly do those numbers mean? Are they sequential,... 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.

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