How to Keep a Money Talk From Becoming a Money Fight

Credit 101

How to Keep a Money Talk From Becoming a Money Fight

How to Keep a Money Talk From Becoming a Money Fight

Talking about money with a partner can be difficult. Partly because if things are going great and everyone’s in harmony, there’s no urgency about it. And when you’re dreaming about what you’d do if you wins the lottery, nobody is seriously worried about what will happen if you don’t. But when decisions need to be... Read More

Does Your Credit Score Care Where You Shop?

Credit Score

Does Your Credit Score Care Where You Shop?

Does Your Credit Score Care Where You Shop?

With all the information our actions generate — from websites we visit, places we travel to and things we buy — it’s no wonder why people worry about Big Data affecting their finances. So you may wonder: Does what you buy affect your credit score? Credit reports and credit scores, two major components of your... Read More

3 Smart Ways to Use a Personal Loan

Personal Loans

3 Smart Ways to Use a Personal Loan

3 Smart Ways to Use a Personal Loan

All things being equal, most of us would prefer not to carry debt. But there are times when it may be unavoidable. When that happens, you want to make sure you try to pick the best way to borrow. Sometimes that may be a low rate credit card, but at other times a personal loan... Read More

How to Keep Track of Your Spending on Multiple Credit Cards

Credit Cards

How to Keep Track of Your Spending on Multiple Credit Cards

How to Keep Track of Your Spending on Multiple Credit Cards

There are some good reasons that credit card users may want to have multiple accounts open at the same time. Often, cardholders are trying to take advantage of the unique benefits of different cards, such as bonus rewards for certain categories of spending. Some earn tremendous amounts of points and miles through generous sign-up bonuses. Others choose... Read More

The Most Important Money Milestones for New Grads

Students

The Most Important Money Milestones for New Grads

The Most Important Money Milestones for New Grads

Of the roughly 21 million students attending U.S. colleges and universities during this school year, 1 million will earn an associate’s degree, 1.8 million will earn a bachelor’s degree, 821,000 will earn a master’s degree and 177,500 will earn a doctoral degree, according to the National Center for Education Statistics. So if you happen to be a... Read More

Should You Give Your Teen a Credit Card?

Credit Cards

Should You Give Your Teen a Credit Card?

Should You Give Your Teen a Credit Card?

When I was 16, my parents sat me down for “the talk.” They told me it was a lot of responsibility, but they thought it was time for me to get my first credit card. I was driving and more independent so they thought it was good for me to have a credit card for... Read More

How to Keep Your Grandparents From Getting Ripped Off by Mail Scams

Personal Finance

How to Keep Your Grandparents From Getting Ripped Off by Mail Scams

How to Keep Your Grandparents From Getting Ripped Off by Mail Scams

I don’t know about you, but I have a 79-year-old mom who seems to be on every political and religious mailing list known to man. Every day, she gets a new batch of letters emblazoned with words like “special notice,” “official survey due” and “final attempt: invoice enclosed.” Of course, the special notice is simply... Read More

5 Mistakes Renters Make

Personal Finance

5 Mistakes Renters Make

5 Mistakes Renters Make

When you are looking for your next home, the first question to consider is will you rent or buy? Renting can often be the more affordable, less binding option — you just need to find the right rental for your lifestyle and budget. Whether you are new to the renting game or a renting lifer, you’ll... 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.



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