Delta Named Best Airline in the U.S.

Personal Finance

Delta Named Best Airline in the U.S.

Delta Named Best Airline in the U.S.

Delta Air Lines received the top honor of Best U.S. Airline of 2014 from deal-hunting website Airfarewatchdog. For the third year, the site compiled Department of Transportation data and consumer satisfaction reports to determine rankings of eight major U.S. airlines, in areas including frequency of canceled flights, lost baggage and on-time arrivals. How America’s Airlines Stack... Read More

The Best Time to Buy a New Car: Now

Auto Loans

The Best Time to Buy a New Car: Now

The Best Time to Buy a New Car: Now

If you’re looking for a deal on a new car, August may be the time to hit the dealerships. An analysis of new-car sales data by TrueCar shows average August prices as the lowest available throughout the year: about $169 lower than the average prices of any other month. The analysis looked at new car... Read More

Beware of Scams in the Wake of Robin Williams’ Death

Identity Theft

Beware of Scams in the Wake of Robin Williams’ Death

Beware of Scams in the Wake of Robin Williams’ Death

Even for a celebrity death, the worldwide response to Robin Williams’ passing has been remarkable. Within minutes on Monday, news of the comedian’s death was dominating trending topics on Twitter and filling up Facebook news feeds. Unfortunately, that makes it a tremendous opportunity for scam artists and computer virus writers, who never fail to take... Read More

CFPB Warns of Bitcoin Dangers

Personal Finance

CFPB Warns of Bitcoin Dangers

CFPB Warns of Bitcoin Dangers

It’s a bit too early to trust Bitcoin, the Consumer Financial Protection Bureau said Monday, in an announcement sure to be unpopular with fans of the digital currency. Bitcoin users face “unclear costs, volatile exchange rates, the threat of hacking and scams,” and lack of clear refund paths, the CFPB said in a pretty sternly-issued warning.... Read More

10 Cheapest Places to Finance a Home

Mortgages

10 Cheapest Places to Finance a Home

10 Cheapest Places to Finance a Home

A property with an affordable listing price is only part of finding a home within your budget, because if you can’t access low mortgage rates, you may not be able to buy as much house as you hoped. Your mortgage rate heavily depends on you: your credit score, your ability to repay the loan, your track... Read More

Should Student Loan Refinancing Be Mandatory?

Students

Should Student Loan Refinancing Be Mandatory?

Should Student Loan Refinancing Be Mandatory?

In a recently published research paper, three professors from the University of Chicago and Brigham Young University asked a provocative question: Should consumer-borrowers be forced to refinance their mortgages when it is in their best financial interest to do so? After studying a random sample of 1.5 million residential mortgages that were outstanding in December... Read More

Can a Friend Send a Debt Collector After Me?

Managing Debt

Can a Friend Send a Debt Collector After Me?

Can a Friend Send a Debt Collector After Me?

A reader wrote to us, worried that a former friend of her daughter’s might take her daughter to collections over some manicures that had been done out of friendship — before the relationship soured. Misunderstandings about money between friends are common. Should dinner at the expensive restaurant your wealthy friend suggested have been her treat? (You... Read More

Scam Uses Your Phone Number to Trick You

Identity Theft

Scam Uses Your Phone Number to Trick You

Scam Uses Your Phone Number to Trick You

I had an encounter with an alternate universe the other day. There I was, writing a story, and my phone screen lit up with an incoming call. “Christine DiGangi iPhone” it said, which was odd, considering that I was not calling anyone at the moment, let alone myself. I’m familiar with spoofing — when scammers fake the... Read More

The Best Time to Start a Small Business

Personal Finance

The Best Time to Start a Small Business

The Best Time to Start a Small Business

Ah, the excitement of a great business idea. You can see the yellow brick road spread out before you. The future has never looked brighter. But you ask yourself, is now the right time to launch? Am I ready? Here’s how to tell. Once you have the product or service dreamed up, the question of... 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