What Do Your Credit Card Numbers Mean?

Credit Cards

What Do Your Credit Card Numbers Mean?

What Do Your Credit Card Numbers Mean?

[Update: Some offers mentioned below have expired. For current terms and conditions, please see card agreements. Disclosure: Cards from our partners are mentioned below.] Most Americans carry around some sort of credit or debit card, embossed with a 15- or 16-digit card number on the front. But what exactly do those numbers mean? Are they sequential,... Read More

The Most Misunderstood Part of Your Credit Report

Credit Score

The Most Misunderstood Part of Your Credit Report

The Most Misunderstood Part of Your Credit Report

If you’ve checked your credit reports or reviewed your credit scores recently, you probably noticed the section of your credit report called “inquiries,” which lists the names of companies that have reviewed your report recently. While most consumers are generally aware that these credit checks can affect their credit scores, they often still find the... Read More

America’s Favorite Credit Card Issuers

Credit Cards

America’s Favorite Credit Card Issuers

America’s Favorite Credit Card Issuers

Consumer satisfaction with credit card issuers is at an all-time high, with cardholders’ opinions heavily swayed by the way an issuer handles fraud and data breaches. These are among the many findings in the 2014 J.D. Power U.S. Credit Card Satisfaction Study, which named American Express and Discover as the issuers with the most satisfied... Read More

3 Ways to Pay Off Your Mortgage Early

Mortgages

3 Ways to Pay Off Your Mortgage Early

3 Ways to Pay Off Your Mortgage Early

Buying a house is a costly financial commitment with longstanding effects on your finances. Deciding how much mortgage you can afford and how you want to structure your payment schedule can make a big difference in your future. Depending on your arrangement, you could be making payments on your property for 10, 20 or even... Read More

How to Make Sure Your New Car Isn’t a Clunker

Auto Loans

How to Make Sure Your New Car Isn’t a Clunker

How to Make Sure Your New Car Isn’t a Clunker

Show me the Carfax. Remember when those commercials first hit the airwaves? It was only a matter of time before dealerships everywhere started touting a Carfax report with every used car. The reports promised an almost crystal ball view into the history of a vehicle. Sellers could no longer hide accidents, major repairs or faulty... Read More

The Dangers of Online Dating

Personal Finance

The Dangers of Online Dating

The Dangers of Online Dating

After years of searching for love in all the wrong places, you’ve finally hit the jackpot. Prince Charming is only a keystroke away, and you found him via social media or at an online dating site. But is he really “the one”? Online dating scams are common, and they cost victims more than $50 million... Read More

4 Tips for Furnishing an Empty Home on a Budget

Mortgages

4 Tips for Furnishing an Empty Home on a Budget

4 Tips for Furnishing an Empty Home on a Budget

Choosing a new home can be very exciting. There are lots of things to do when getting ready to move into a new property. If you are moving out on your own for the first time or upgrading to a larger place, you might find yourself moving into a mostly empty home. While this means... Read More

Another Target Security Breach?

Identity Theft

Another Target Security Breach?

Another Target Security Breach?

The U.S. Postal Inspection Service is looking into a security breach involving Target stores in central California, ABC affiliate KXTV in Sacramento reports, though it is unrelated to the cyberattack that affected Target stores across the country at the end of 2013. The new issue was detected in January, and investigators identified a suspect in April. Postal... Read More

Should You Get a Prenup?

Personal Finance

Should You Get a Prenup?

Should You Get a Prenup?

Getting married is usually surrounded by romance and excitement, but becoming a married couple typically entails some lifestyle changes. It can be overwhelming to focus on the big day itself, but it’s also important to think about what happens after the wedding. Talking about your finances before walking down the aisle can help you make them a priority... Read More

Show Me More

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