The Right Way to Buy Life Insurance

Personal Finance

The Right Way to Buy Life Insurance

The Right Way to Buy Life Insurance

It doesn’t make for the most pleasant dinner conversation but thinking about the financial impact of your death is important — as is acting on it. From figuring out how much life insurance you need to signing up for the policy, it can be a confusing process. Here are some tips to make you better... Read More

Will the New Plan to Cut Your Student Loan Payments Work?

Students

Will the New Plan to Cut Your Student Loan Payments Work?

Will the New Plan to Cut Your Student Loan Payments Work?

Big news on the student loan front: Sen. Elizabeth Warren (D-Mass.) and a cast of thousands — well, 23 of her Democratic Senate colleagues, anyway — introduced the Bank on Students Emergency Loan Refinancing Act. The bill proposes to significantly expand the Federal Direct Student-Loan program by allowing those who financed their higher education in... Read More

Could a Bad Credit Score Make You Homeless?

Credit Score

Could a Bad Credit Score Make You Homeless?

Could a Bad Credit Score Make You Homeless?

A landlord in San Francisco recently wrote letters to tenants that said if their FICO credit score was below 725 or they made less than $100,000 a year, they would have to move out. A media dust-up ensued and the landlord retracted the letter. While this is an extreme case, it just goes to show... Read More

Why the Lowest Mortgage Rate May Not Be the Best

Mortgages

Why the Lowest Mortgage Rate May Not Be the Best

Why the Lowest Mortgage Rate May Not Be the Best

Interest rate isn’t the only factor that can drive up your projected new monthly mortgage payment. Private mortgage insurance (PMI) and the term of the loan can also make a big difference in what you pay each month. So that lower interest rate loan you’ve been offered — adjusting for mortgage insurance and a shorter-term... Read More

The Danger of Playing the Credit Card Rewards Game

Credit Cards

The Danger of Playing the Credit Card Rewards Game

The Danger of Playing the Credit Card Rewards Game

One of the perks of having high credit scores is you’ll get lower interest rates on things like car loans, mortgages and credit cards. And in the case of credit cards, many issuers who are after your business offer generous “sign-up bonuses,” leading some people to chase the big rewards. In some cases, they’ll apply... Read More

These Kids Are Better With Money Than You Are

Personal Finance

These Kids Are Better With Money Than You Are

These Kids Are Better With Money Than You Are

Ryan Jerue has a job, a business, a bank account and has started investing. He also captains a team of students who recently took third place in a national competition where they fielded questions about personal finance, technology, health and safety, the environment as well as consumer rights and responsibilities. (He also placed third individually... 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.

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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).

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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.

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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.

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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