Is My Credit Card Hurting My Credit?

Credit Cards

Is My Credit Card Hurting My Credit?

Is My Credit Card Hurting My Credit?

Having excellent credit has never been more important than it is right now. Credit history is used to decide applications for apartment rentals, home mortgages, car loans and new credit cards. It even can be used to set insurance rates and be checked as part of a pre-employment background check. Because it’s so important to... Read More

9 Ways to Eat for Free

Personal Finance

9 Ways to Eat for Free

9 Ways to Eat for Free

Getting your vitamin C is going to cost a little more this year. National Geographic reports that the price of Florida citrus is expected to rise nearly 23 percent from what it was last May. You’ll probably pay more for pork, beef, and for other fruits and vegetables, too. With rising prices putting a bigger strain on your grocery... Read More

5 Kinds of Mortgages: What’s Right for You?

Mortgages

5 Kinds of Mortgages: What’s Right for You?

5 Kinds of Mortgages: What’s Right for You?

Home buying can be a whirlwind and, unless you are a lottery winner or heir to a fortune, likely includes taking out a mortgage. Choosing the right mortgage loan for your budget includes assessing your income, lifestyle, credit history and qualifications. But it’s not just a matter of finding an affordable option – it’s also... Read More

How to Turn Your Hobby Into a Business

Personal Finance

How to Turn Your Hobby Into a Business

How to Turn Your Hobby Into a Business

Do what you love and the money will come, it’s often said. And it’s often true. But if you’re already committed to a boring full-time job, you likely can’t see how to make the transition. In fact, the idea seems so farfetched that each year many head straight into the work force from high school or... Read More

What Is a Short Sale?

Mortgages

What Is a Short Sale?

What Is a Short Sale?

The world of real estate can be confusing, and sometimes, even with careful planning, mortgage payments can be difficult to make. If you find yourself faced with options like foreclosure, bankruptcy or a short sale, it’s important to understand your choices. A short sale is for those who do not qualify or do not want... Read More

5 Ways to Save Money on a Gluten-Free Diet

Personal Finance

5 Ways to Save Money on a Gluten-Free Diet

5 Ways to Save Money on a Gluten-Free Diet

Almost three years ago, I gave up foods with gluten. I wasn’t diagnosed with celiac disease, but I had heard that gluten could be triggering my migraine headaches, so I gave it a shot. It didn’t do much for my headaches, unfortunately, but I felt much better overall, and as a result decided to ditch... Read More

Can You Get a Debt Collection Account Off Your Credit Report?

Managing Debt

Can You Get a Debt Collection Account Off Your Credit Report?

Can You Get a Debt Collection Account Off Your Credit Report?

Suffering through a tough financial patch — with the stresses of not being able to pay bills on time, juggling priorities like rent and utilities over other bills — is frustrating. But for many of us, the longer struggle can be the patience needed to see our credit scores bounce back, or the time it... Read More

America’s Favorite Budget Hotels

Personal Finance

America’s Favorite Budget Hotels

America’s Favorite Budget Hotels

Traveling and frugality are often at odds with each other. As much as you want to get away, planning a trip can quickly become stressful as you search for affordable options. Everyone wants to save money, but few people want to stay in a dumpy motel. It’s difficult to determine a hotel’s quality based on... Read More

The 2.9% Mortgage Rate: How to Get It

Mortgages

The 2.9% Mortgage Rate: How to Get It

The 2.9% Mortgage Rate: How to Get It

A 2.9% mortgage rate sound great, but is it too good to be true? Anyone looking for a home loan knows they want to get the best interest rate possible, but getting a great deal has a lot more to it than comparing rates at face value. The current rate for a 5-year adjustable-rate mortgage is... Read More

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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.

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