6 Tips to Lower the Cost of Your Teen’s Car Insurance

Personal Finance

6 Tips to Lower the Cost of Your Teen’s Car Insurance

6 Tips to Lower the Cost of Your Teen’s Car Insurance

In the vast majority of American households, there are two words that – when combined – can send a chill down parents’ spines. Those two words are: teenager and license. The reasons why are obvious. According to the CDC, 16- to 19-year-old drivers are at greater risk for being involved in car accidents than any... Read More

5 Surprising Times Your Credit Matters

Credit 101

5 Surprising Times Your Credit Matters

5 Surprising Times Your Credit Matters

“I DON’T CARE what my ‘credit score’ is,” one of our readers wrote in a recent comment on the Credit.com blog. “I am debt free except for my house. I use credit cards for everything possible and pay them off in full every month.” Is good credit really that important? Some people obviously don’t think... Read More

Would Free College Tuition Work in the U.S.?

News

Would Free College Tuition Work in the U.S.?

Would Free College Tuition Work in the U.S.?

Sprechen sie Deutsch? In case you haven’t heard the news, college tuition is now free throughout Germany—and not just for Germans. But before you pack your bags for Berlin, you might want to consider what those who’ve made it through the process and lived to tell the tale have to say about that. Native-language proficiency... Read More

Is Student Debt Holding You Back From Marriage?

Student Loans

Is Student Debt Holding You Back From Marriage?

Is Student Debt Holding You Back From Marriage?

Most people who have never been married peg their relationship status to the fact they haven’t found the right person yet, but there’s more to that decision than feelings. Finances play a huge role in Americans’ decision to marry. Actually, there are nearly as many unmarried Americans who say they’re still looking for their future... Read More

The Easiest Ways to Protect Yourself After a Data Breach

Identity Theft

The Easiest Ways to Protect Yourself After a Data Breach

The Easiest Ways to Protect Yourself After a Data Breach

Data breaches are such a pain: By no fault of your own, someone might have access to your credit card, bank account or personal information, and it’s up to you to figure out what to do about it. You’ll want to make sure you don’t become a fraud victim, but you won’t want to spend... Read More

Another Major Bank Is Offering Free Credit Scores

News

Another Major Bank Is Offering Free Credit Scores

Another Major Bank Is Offering Free Credit Scores

Citi is the latest financial institution to give customers free credit scores through the FICO Open Access program, FICO announced, making it the largest participant in the program that will be available to more than 60 million consumers in 2015. Citi hasn’t yet released details on its participation, but in general, an issuer periodically provides a... Read More

How Fast Can You Get Out of Debt?

Managing Debt

How Fast Can You Get Out of Debt?

How Fast Can You Get Out of Debt?

You’ve decided enough is enough and you are going to get out of credit card debt. And you probably want to do it as fast as you can. So how long will it take? Don’t have a clue? That’s not surprising, considering you probably have several cards all with different interest rates and monthly payments.... Read More

It Might Be Getting Easier to Get a Mortgage With Little Money Down

Mortgages

It Might Be Getting Easier to Get a Mortgage With Little Money Down

It Might Be Getting Easier to Get a Mortgage With Little Money Down

Melvin Watt, director of the Federal Housing Finance Agency, announced Monday plans to increase mortgage access to borrowers with good credit but limited funds available for a down payment. In a speech at the Mortgage Bankers Association annual convention in Las Vegas, Watt said the FHFA would issue guidelines for making lending to consumers who can... Read More

The Best Low-Interest Credit Cards in America 2014

Credit Card Reviews

The Best Low-Interest Credit Cards in America 2014

The Best Low-Interest Credit Cards in America 2014

For credit card users who carry a balance from month to month, the interest rate is one of the most important numbers revealed in a card’s terms and conditions. So it only makes sense that finding the credit card with the lowest interest rate is the top priority for many consumers when they apply for... Read More

The Surprising Side Effect of Student Loan Forgiveness Programs

Student Loans

The Surprising Side Effect of Student Loan Forgiveness Programs

The Surprising Side Effect of Student Loan Forgiveness Programs

As more people learn about and use public service loan forgiveness and income-based repayment plans to make student loan payments more affordable, the U.S. could run into an economic issue. Such loan forgiveness programs incentivize borrowing, according to a recent report from New America Education. The report authors, Jason Delisle and Alexander Holt, analyzed debt... Read More

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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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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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