How to Spot a Sketchy Deal on Craigslist

Identity Theft

How to Spot a Sketchy Deal on Craigslist

How to Spot a Sketchy Deal on Craigslist

Bargain hunting is best executed with a large dose of skepticism, particularly when searching for deals online. Craigslist is a prime example of this. The Better Business Bureau posted a Craigslist scam alert recently urging consumers to exercise caution when browsing the classifieds website. While the Internet allows people from all over to view Craigslist posts,... Read More

Everything You Need to Know About Private Student Loans

Students

Everything You Need to Know About Private Student Loans

Everything You Need to Know About Private Student Loans

Americans currently owe more than $150 billion on private student loans, according to the Consumer Financial Protection Bureau. Unfortunately, many private loan borrowers don’t understand the difference between private and federal loans. And that can run them into serious trouble down the road. So before you sign up for any private student loans, make sure... Read More

Are You Accidentally Hurting Your Credit?

Credit Score

Are You Accidentally Hurting Your Credit?

Are You Accidentally Hurting Your Credit?

If you are aiming for a high credit score, you may find the task overwhelming. What will work? And what won’t? A recent survey by Credit.com found that there are a few things consumers are doing to improve their credit that won’t work — and a few that will. In the 2014 Credit.com Consumer Credit Score... Read More

The Best Grad Gift Is Money — Lots of It

Students

The Best Grad Gift Is Money — Lots of It

The Best Grad Gift Is Money — Lots of It

Stumped on what to give the 2014 graduate after they collect their hard-earned diploma? A new survey from RetailMeNot found that half of consumers think money is the best way to congratulate a new graduate. But how much money is adequate? That depends on the graduate’s level of schooling. According to the survey: High school grad. Most people... Read More

How to Appeal a Credit Card Rejection

Credit Cards

How to Appeal a Credit Card Rejection

How to Appeal a Credit Card Rejection

Have you ever applied for a credit card on the spot in order to take advantage of a great promotional offer? You think you’ve been preapproved, but that’s one of the common myths about these offers that come in the mail. What happens when your application is denied or held up for further review? Are you just out... Read More

How to Be a Savvy Homebuyer

Mortgages

How to Be a Savvy Homebuyer

How to Be a Savvy Homebuyer

Buying a home is a big decision personally and financially and it can sometimes seem like an intimidating process. Go into it with eyes wide open using these tips to be better at buying a home. Educate Yourself You can take control of your own homebuying experience by doing some research. Instead of relying on what... Read More

Credit.com in the News 5.23.14

Personal Finance

Credit.com in the News 5.23.14

Credit.com in the News 5.23.14

For many consumers, financial hardship stems from circumstances beyond their control. In the case of medical debt, there’s not a lot you can do to prepare for unexpected healthcare costs, but bad luck can turn into serious credit problems. A new report explored how medical debt can unfairly impact consumers’ credit standing, which Credit.com Director... Read More

My Kids Are Learning From My Student Loan Nightmare

Students

My Kids Are Learning From My Student Loan Nightmare

My Kids Are Learning From My Student Loan Nightmare

When Sharon Cece’s oldest son was starting to think about college, she had a message for him: Avoid student loans if at all possible. She’s still repaying hers, and the drawn-out experience of financing her education has been so frustrating she doesn’t want her kids to go through it. The approach has worked so far.... Read More

How to Pick Budget-Friendly Gifts

Personal Finance

How to Pick Budget-Friendly Gifts

How to Pick Budget-Friendly Gifts

Spring is often a big time for celebration. Between graduations, Father’s Day, birthdays and general warmer weather merriment, you may find yourself headed to more parties. This can lead to the dilemma of what to bring. A birthday barbecue may require only that you bring a six-pack of beer or liter of soda, but other... Read More

3 Ways to Make Your Kids Millionaires

Personal Finance

3 Ways to Make Your Kids Millionaires

3 Ways to Make Your Kids Millionaires

Eileen and Gerard Connolly had one income and two daughters in private colleges for seven consecutive years. When they were on the homestretch of paying for college tuition, they realized they needed to start catching up on their own retirement savings. But they also wanted to help get their daughters off to a good start.... Read More

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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