Help! I Used the Wrong Social Security Number

Credit Score

Help! I Used the Wrong Social Security Number

Help! I Used the Wrong Social Security Number

After ignoring his credit for too long, a reader, Steve, decided to do something to build it. He now has two credit cards, but neither is on his credit report. He called both companies, and it appears that his Social Security number (SSN) is off by a digit. His question: How do I fix this?... Read More

Why Hackers Want to Be Your Friend

Identity Theft

Why Hackers Want to Be Your Friend

Why Hackers Want to Be Your Friend

The Facebook status update got the attention of Bryan Rutberg’s friends right away: “BRYAN IS IN URGENT NEED OF HELP!!” Rutberg’s friends soon received emails with frantic pleas for aid. He was stuck in London after a mugging and desperately needed money to get his family home. Rutberg’s daughter, at home in Seattle with her... Read More

How to Protect Your Identity After a Tornado

Identity Theft

How to Protect Your Identity After a Tornado

How to Protect Your Identity After a Tornado

Tornadoes have torn through several central states — flattening neighborhoods, wiping out businesses, and injuring and killing many people. Communities may take years to recover from the effects of a twister. Residents of areas affected by twisters can take steps before and after to protect their families — and their identities. Here are four immediate steps to take after a... Read More

3 Student Loan Deadlines Everyone Needs to Know

Students

3 Student Loan Deadlines Everyone Needs to Know

3 Student Loan Deadlines Everyone Needs to Know

Being a student means living with deadlines. Assignments, papers, college applications — if you miss the due date, you can run into serious trouble. While you might be able to get an extension to finish a project, applying for financial aid doesn’t work that way. If you need help paying for your kid’s college education,... Read More

4 People You Need in Your Financial Life

Personal Finance

4 People You Need in Your Financial Life

4 People You Need in Your Financial Life

There are people in life that you can really count on. It’s nice to have that family member who always answers the phone or the friend who will listen to your problems with no judgment. Then there are the people who are good to have in life to help you financially, directly with advice or... Read More

The Most Debt-Ridden Cities

Managing Debt

The Most Debt-Ridden Cities

The Most Debt-Ridden Cities

Financial news about Detroit is not generally positive these days. However, despite the city’s record-breaking bankruptcy filing last summer, its residents are doing all right with their personal debt. As of February this year, they had the lowest average debt of the largest metropolitan statistical areas (MSAs) in the country, with an average personal debt... Read More

10 Things You Need to Know to Negotiate a Home Sale

Mortgages

10 Things You Need to Know to Negotiate a Home Sale

10 Things You Need to Know to Negotiate a Home Sale

As the weather warms and the days get longer, home buying season gets underway. If you are considering purchasing a home, it’s important to do some research. The language of real estate can be confusing, especially to newbies. Here are some terms you will encounter that are helpful to know before you start negotiating on... Read More

Why Travelers Love This Southwest Credit Card

Credit Cards

Why Travelers Love This Southwest Credit Card

Why Travelers Love This Southwest Credit Card

Imagine the Oscars, but with awards given out for the best travel and credit card programs. Every year, representatives of the travel industry get together for an awards banquet to honor the most outstanding travel providers, including credit cards affiliated with loyalty programs. The awards handed out are called the Freddies, in honor of British... Read More

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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).

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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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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.

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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.

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- The Credit.com Editorial Team