7 Costly Credit Score Myths

Credit Score

7 Costly Credit Score Myths

7 Costly Credit Score Myths

Your credit score can make a huge difference in your finances, from helping you qualify for loans and low interest rates to accessing utility services and renting the home you want. As much as people want to have good credit scores, there’s a lot of confusion about how they work. The more you know about credit... Read More

Do You Need to Change Your Dropbox Password?

Identity Theft

Do You Need to Change Your Dropbox Password?

Do You Need to Change Your Dropbox Password?

Fears of a Dropbox data breach were sparked earlier this week when a few hundred username and password combinations were posted to Reddit Oct. 13. The poster claims they are a portion of a larger collection of Dropbox credentials, The Next Web reported. The user also said there is “more to come” and asked for Bitcoin donations... Read More

Could LinkedIn Cost You a Job?

Credit Score

Could LinkedIn Cost You a Job?

Could LinkedIn Cost You a Job?

Anything you say to LinkedIn can be used against you when you are job hunting. You might have known that already. But you probably didn’t know that LinkedIn has special products specifically aimed at helping hiring managers ask former co-workers about you. LinkedIn’s “Trusted Reference” report, available only to paying premium users, compiles a list... Read More

Hacker: 2 Ivy League Schools Vulnerable to a Serious Data Breach

Identity Theft

Hacker: 2 Ivy League Schools Vulnerable to a Serious Data Breach

Hacker: 2 Ivy League Schools Vulnerable to a Serious Data Breach

Hundreds of companies, local government agencies and universities — including two Ivy League schools — continue to expose sensitive financial, medical, academic, personal and other records to anyone who knows a few finer points about how to use Google or the Shodan search engine. These organizations are all in the same boat as MBIA, the nation’s... Read More

How Our Holiday #SpendingFreeze Is Going: Week 1

Personal Finance

How Our Holiday #SpendingFreeze Is Going: Week 1

How Our Holiday #SpendingFreeze Is Going: Week 1

Inspired by this article, several Credit.com staffers are tracking their own personal spending freeze on social media. You can follow their progress as they stop spending and start preparing for the holidays using the hashtag #spendingfreeze on Facebook and Twitter. We’ll also be updating our readers weekly with our insights and struggles on the blog —... Read More

What a Debt Collector’s Day Is Really Like

Managing Debt

What a Debt Collector’s Day Is Really Like

What a Debt Collector’s Day Is Really Like

When I saw the recent New York Times article “A Debt Collector’s Day,” I was obviously intrigued to read it. Having worked nearly 4,000 days as a debt collector, I was looking forward to reading an article that actually depicted what we do for a living so readers would get a glimpse at what a... Read More

I Made My Own Wedding Dress for $30

Personal Finance

I Made My Own Wedding Dress for $30

I Made My Own Wedding Dress for $30

A Seattle woman took the DIY-wedding trend to a new level when she handmade her wedding dress for all of $30 — while riding the bus to work. Chi Krneta’s mom taught her to sew when she was a teenager, and making clothes has been a hobby of hers ever since. When she started planning... Read More

A Beginner’s Guide to Buying Car Insurance

Auto Loans

A Beginner’s Guide to Buying Car Insurance

A Beginner’s Guide to Buying Car Insurance

Insurance is an anomaly among commodities; it’s one purchase that we hope we never have to use. But car insurance is a mandated purchase almost everywhere, and with good reason; if your vehicle were to be stolen, vandalized or in an accident, you could be at risk for huge financial burdens if faced with covering... Read More

Scammers Are Cashing In on Your Ebola Fears

Identity Theft

Scammers Are Cashing In on Your Ebola Fears

Scammers Are Cashing In on Your Ebola Fears

As a few cases of Ebola have reached the U.S., people are worrying about their exposure to the deadly disease and what they can do to avoid it. Among the plethora of helpful information out there on Ebola (as well as plenty of unhelpful content), drugs claiming to cure Ebola have started to appear, aimed... Read More

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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