How to Pick the Perfect Credit Card

Credit Cards

How to Pick the Perfect Credit Card

How to Pick the Perfect Credit Card

Credit cards are convenient and secure methods of payment, but they are by no means simple financial instruments. Those who are looking for a new card can be confounded by confusing terms, conditions and offers of rewards. With cardholder agreements and guides to benefits that consume dozens of pages, how much of this information is... Read More

Reverse Mortgages: What the Ads Don’t Say

Mortgages

Reverse Mortgages: What the Ads Don’t Say

Reverse Mortgages: What the Ads Don’t Say

You’ve seen them on TV and heard them on the radio. They may be yesterday’s screen stars, but they’re today’s pitchmen for one of the hottest financial products that baby boomers of a certain age and financial circumstance want: the reverse mortgage. According to studies performed by Fidelity Investments and the Charles Schwab Corporation, 48%... Read More

The Biggest Estate Planning Mistakes You Can Make

Personal Finance

The Biggest Estate Planning Mistakes You Can Make

The Biggest Estate Planning Mistakes You Can Make

Estate planning is a conscious approach to organizing your personal and financial affairs in order to deal with the possibility of mental incapacity and death. The biggest mistakes you can make in estate planning are to plan improperly, or to fail to plan at all. Without the proper estate planning documents to protect your wealth... Read More

The Smart Way to Rebuild Credit

Credit 101

The Smart Way to Rebuild Credit

The Smart Way to Rebuild Credit

Even if you’re not the most organized person, you should have a plan for building a good credit score.  The good news is building credit isn’t complicated — you just need to know a few things to get started. Know What You’re Dealing With If you don’t know what’s broken, you’re going to struggle to... Read More

Will Mobile Banking Help the Unbanked?

Personal Finance

Will Mobile Banking Help the Unbanked?

Will Mobile Banking Help the Unbanked?

Most people have bank accounts, but 10.5% of the U.S. adult population is considered unbanked, meaning neither they nor their spouse or partner has a checking, savings or money market account. These people may find it difficult or expensive to deposit paychecks, use online payments or get loans. In a new report, the Federal Reserve... Read More

Google Improves Privacy Protection With Encrypted Gmail

Identity Theft

Google Improves Privacy Protection With Encrypted Gmail

Google Improves Privacy Protection With Encrypted Gmail

Since news outlets have reported the extent of the National Security Agency’s surveillance activity monitoring Americans, some consumers may be uneasy about the thought of agents looking over their emails. However, many tech companies have begun to fight back with added encryption techniques. Google, for example, has begun to encrypt all of its traffic between email users, email servers... Read More

What Was the First Student Loan?

Students

What Was the First Student Loan?

What Was the First Student Loan?

I don’t know about you, but I have a love-hate relationship with Facebook — it’s helpful but also really annoying, and even though it enables me to discover new things, it’s a major drain on my resources. I feel the same way about my student loans. Fun fact: Both started at Harvard University. I guess... Read More

How Do Mistakes Get Removed From Your Credit Reports?

Credit Score

How Do Mistakes Get Removed From Your Credit Reports?

How Do Mistakes Get Removed From Your Credit Reports?

You’ve found a mistake on your credit reports and you know you need to dispute it. But what happens when you do? Here are four questions we often hear from consumers about the process of getting information removed from their credit reports. 1. Do I Have to Tell the Credit Bureau to Take Old Information... Read More

How to Read a Credit Card Offer

Credit Cards

How to Read a Credit Card Offer

How to Read a Credit Card Offer

Being a credit card user is a lot like being the best looking person in the room. Credit card issuers are constantly trying to get your attention online, through the mail, and even at kiosks in the airport. With so many offers to consider, how can credit card applicants figure out which one is best?... 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