The Worst Co-Workers Ever?

Identity Theft

The Worst Co-Workers Ever?

The Worst Co-Workers Ever?

Plenty of people dislike their co-workers, but not enough to steal their retirement funds. Apparently, the same cannot be said for a couple of workers in Chicago. Donella Anderson Watkins and Sammie Watkins, former employees of the Chicago Transit Authority, have been accused of filing false documentation with administrators of the CTA retirement program requesting... Read More

Woman Uses Student Loans for Plastic Surgery

Students

Woman Uses Student Loans for Plastic Surgery

Woman Uses Student Loans for Plastic Surgery

A U.K. woman has taken the unusual position of publicly raving about her student loans. Only she didn’t use them to get an education. Instead, she says she used them to get plastic surgery. Her family supported her through college, so upon graduating, she spent the 10,000 pounds (about $17,000) of loans on breast implants... Read More

Could an Adopt-a-Loan Program Take a Bite Out of Student Debt?

Students

Could an Adopt-a-Loan Program Take a Bite Out of Student Debt?

Could an Adopt-a-Loan Program Take a Bite Out of Student Debt?

The private sector adopts all sorts of things — highways, parks, medians, pets, pet projects — so why not student loans? With the right tax incentives, an Adopt-a-Student Loan program could help ease the current financial quagmire of $1.3 trillion in student loan debt. Earlier this week, Starbucks announced a plan that will let any... Read More

The CFPB Announces Its Largest Credit Card Discrimination Settlement Ever

Credit Cards

The CFPB Announces Its Largest Credit Card Discrimination Settlement Ever

The CFPB Announces Its Largest Credit Card Discrimination Settlement Ever

GE Capital discriminated against consumers who indicated they preferred speaking in Spanish, and deceived customers when selling credit card debt relief products, the Consumer Financial Protection Bureau alleged on Wednesday. The firm was ordered to pay $225 million to impacted consumers to end two separate enforcement actions brought by the Department of Justice and the... Read More

5 Budget Killers You Can Avoid

Personal Finance

5 Budget Killers You Can Avoid

5 Budget Killers You Can Avoid

Creating a budget is the first step to taking control of your finances. Sticking to your budget is another challenge altogether. Even when you believe you have factored in every cost you may encounter by week, by month or by year, somehow you end up needing more money than you allocated. If this sounds like you,... Read More

How Do I Figure Out Where This 4-Year-Old Debt Came From?

Managing Debt

How Do I Figure Out Where This 4-Year-Old Debt Came From?

How Do I Figure Out Where This 4-Year-Old Debt Came From?

It may be something you fear when checking your credit reports — discovering an item that’s been turned over to a debt collector. Especially if it’s an old item, and one you don’t even remember. Where do you start? A reader, Marci, encountered this exact problem when she discovered a couple of unpaid bills on... Read More

5 Ways to Make Sure a College Education Pays Off

Students

5 Ways to Make Sure a College Education Pays Off

5 Ways to Make Sure a College Education Pays Off

Around this time every year, there is usually a barrage of stories in the media about the ever-escalating amounts of student loan debt. These are accompanied by news of the college majors that pay the most – and, conversely, those that pay the least. Don’t pay any attention to the advice embedded within those stories.... Read More

Show Me More

Certain credit cards and other financial products mentioned in this and other articles on Credit.com News & Advice may also be offered through Credit.com product pages, and Credit.com will be compensated if our users apply for and ultimately sign up for any of these cards or products. However, this relationship does not result in any preferential editorial treatment.

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