Can You Buy a Good Credit Score?

Credit Score

Can You Buy a Good Credit Score?

Can You Buy a Good Credit Score?

There are some problems money can solve. Plastic surgery may erase some of the damage done by years of bad habits, for example. Hiring a personal trainer to help whip you into shape can be easier than trying to do it yourself. And if you are sick of the problems your car has been giving... Read More

Stolen Cellphone Racked Up $500K Bill in One Day

Personal Finance

Stolen Cellphone Racked Up $500K Bill in One Day

Stolen Cellphone Racked Up $500K Bill in One Day

A recent story about a stolen cellphone highlights one of the most frustrating things about being a consumer: When you’re the victim of theft, you often have to fight like crazy to be made whole. An Australian man complained to the country’s telecom ombudsman that his son was being held responsible for a $500,000 cellphone... Read More

An Insider’s Guide to Boosting Your Kid’s IQ

Student Loans

An Insider’s Guide to Boosting Your Kid’s IQ

An Insider’s Guide to Boosting Your Kid’s IQ

Rick Rosner and I were friends in high school in Boulder, Colo., in the late 1970s. He was smart and had a dry sense of humor, and was well-liked, but there was something about Rick that I couldn’t put my finger on. He seemed to be operating on a different level than everyone else, not... Read More

The Next Massive Security Flaw You Should Worry About: Bash

Identity Theft

The Next Massive Security Flaw You Should Worry About: Bash

The Next Massive Security Flaw You Should Worry About: Bash

Yes, you should be very concerned about Shellshock, the latest software bug to arise with the potential to degrade the overall safety of the Internet by several notches. Shellshock, also referred to as Bash, is a glaring weakness in an otherwise innocuous bit of coding that’s been around since 1987. Bash, shorthand for Bourne Again Shell,... Read More

Can Your Spouse’s Credit Score Kill Your Mortgage?

Mortgages

Can Your Spouse’s Credit Score Kill Your Mortgage?

Can Your Spouse’s Credit Score Kill Your Mortgage?

Save for maybe the diehard financial romantics, it’s a rare wedding where “credit scores” share billing with sickness and health. But it might be time to update those well-worn marriage vows. From that moment forward, your spouse’s credit profile will play a big role in your collective financial future. That’s especially true when the time... Read More

Report: Car Insurance Is More Expensive for Low-Income Drivers

Auto Loans

Report: Car Insurance Is More Expensive for Low-Income Drivers

Report: Car Insurance Is More Expensive for Low-Income Drivers

The largest auto insurers often charge higher premiums to safe drivers with low to moderate incomes than they do higher-income drivers who recently caused an accident, shows an analysis from the Consumer Federation of America released Monday. The CFA report “The High Price of Mandatory Auto Insurance for Lower Income Households” looked at income data... Read More

CFPB Says Flagstar Bank Stonewalled Troubled Homeowners

Mortgages

CFPB Says Flagstar Bank Stonewalled Troubled Homeowners

CFPB Says Flagstar Bank Stonewalled Troubled Homeowners

At-risk homeowners trying save their homes from foreclosure during the mortgage meltdown complained for years that banks were systematically stonewalling them. On Monday, federal regulators accused a financial institution of doing just that, alleging that Michigan-based Flagstar Bank intentionally frustrated homeowners and pushed some into foreclosure. The Consumer Financial Protection Bureau said Flagstar “failed …at... Read More

Can You Triple Dip on Your Travel Rewards?

Credit Cards

Can You Triple Dip on Your Travel Rewards?

Can You Triple Dip on Your Travel Rewards?

[UPDATE: Some offers mentioned below have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace. DISCLOSURE: Cards from our partners are mentioned below.] Every airline and hotel chain will offer their customers rewards points and miles for their reservation. And when travelers have... Read More

17 People Who Could Steal Your Identity

Identity Theft

17 People Who Could Steal Your Identity

17 People Who Could Steal Your Identity

People live a huge portion of their lives in the digital sphere, so most people will have their sensitive information stolen at some point, if not multiple times. It may be as small as noticing a few dollars of unauthorized activity on your credit card or as damaging as someone stealing your identity and trashing... Read More

The Real Reason Your Car Dealer Wants to Lend You Money

Auto Loans

The Real Reason Your Car Dealer Wants to Lend You Money

The Real Reason Your Car Dealer Wants to Lend You Money

In response to what it sees as a troubling trend of auto-lending discrimination at banks, the Consumer Financial Protection Bureau is proposing to oversee the business practices of nonbank consumer auto lenders – including automakers’ financing units — in the same manner that it does the nation’s banks. Reactions have been swift and searing. The... Read More

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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.



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