Will Congress Overhaul Credit Reporting Laws?

Credit Score

Will Congress Overhaul Credit Reporting Laws?

Will Congress Overhaul Credit Reporting Laws?

Nearly every day we hear from consumers who feel like their credit reports and scores are holding them back. Some have been battling mistakes they are having trouble getting fixed, others feel like they are stuck in credit purgatory because their credit reports still contain negative information from homes they lost or loans they defaulted... Read More

5 Risky Retirement Moves

Personal Finance

5 Risky Retirement Moves

5 Risky Retirement Moves

Planning for retirement can be intimidating, but making informed decisions can make all the difference. The best way to prepare is to get educated on the topic of retirement. This includes knowing what your company offers and what you can do on your own. There are some unconventional options out there that may seem like... Read More

The Most Expensive Home in America

Mortgages

The Most Expensive Home in America

The Most Expensive Home in America

At the moment, the most expensive property on the market is a $139 million palace in Broward County, Fla. What does one get for that hefty sum, you ask? Plenty. The place is practically a giant jewelry box, given all the gold it contains, starting with the 13-foot, 22-carat gold leaf gate, according to a... Read More

Are Credit Cards Really Safer Than Debit Cards?

Identity Theft

Are Credit Cards Really Safer Than Debit Cards?

Are Credit Cards Really Safer Than Debit Cards?

Credit or debit — it’s a choice some consumers make without thinking, while others find the decision a bit more perplexing. There are a lot of things to consider when deciding which form of payment is best for you, but the recent spike in payment-system breaches brings one issue to the forefront: security. Unauthorized transactions... Read More

Can Prepaid Cards Protect You From Data Breaches?

Identity Theft

Can Prepaid Cards Protect You From Data Breaches?

Can Prepaid Cards Protect You From Data Breaches?

If the constant news of data breaches makes you nervous, it should. “Data breaches are the greatest risk factor for identity fraud,” warns Javelin Strategy and Research. And debit cardholders should be particularly worried because nearly half (46%) of consumers whose debit cards were breached in 2013 became fraud victims that same year, according to Javelin.... Read More

Home Depot Confirms Data Breach: What’s Next?

Identity Theft

Home Depot Confirms Data Breach: What’s Next?

Home Depot Confirms Data Breach: What’s Next?

Home Depot shoppers, check your credit card bills and bank statements. The home improvement giant confirmed Monday it was hit by hackers. While information is still scarce, it’s clear the hack will have a huge footprint. Here’s the relevant part of the firm’s statement: “Last Tuesday, September 2, we disclosed that we were investigating a... Read More

It Took Me 850 Days to Get My Tax Refund

Identity Theft

It Took Me 850 Days to Get My Tax Refund

It Took Me 850 Days to Get My Tax Refund

Death involves a lot of paperwork. It’s not something people associate with losing a loved one, but for Wendy Boka Gonzalez, paperwork was one of the things she hated most after her husband died suddenly at age 31 of a pulmonary embolism — when one or more of the pulmonary arteries in the lungs is blocked.... Read More

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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.

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- The Credit.com Editorial Team