3 Financial Fibs You Tell Yourself

Personal Finance

3 Financial Fibs You Tell Yourself

3 Financial Fibs You Tell Yourself

Sometimes the same (bad) advice gets repeated so often people assume it’s true. But there are some common personal finance beliefs that aren’t necessarily true. We’ve broken them down for you: 1. You Can’t Save Until You’re Debt-Free This is a tough one. If you find yourself in debt, you can feel overwhelmed by your... Read More

How to Talk Your Way Into a Raise

Personal Finance

How to Talk Your Way Into a Raise

How to Talk Your Way Into a Raise

Whether you are accepting a job offer, getting a promotion or trying to secure a raise, talking salary isn’t easy. Many of us feel uncomfortable discussing money especially when it involves our own worth to a specific position and company. There are some ways to improve the chances of a favorable outcome — getting paid what... Read More

Paper Social Security Statements Are Back

Personal Finance

Paper Social Security Statements Are Back

Paper Social Security Statements Are Back

Have you missed the paper Social Security benefits statements you used to receive annually in the mail? You’ll be happy to know that the Social Security Administration plans to resume mailing the benefits statements in September. But not everyone will receive the paper statements, which estimate future Social Security earnings. The mailed statements fell victim... Read More

5 Reasons You Fail to Reach Your Savings Goals

Personal Finance

5 Reasons You Fail to Reach Your Savings Goals

5 Reasons You Fail to Reach Your Savings Goals

Although the darkest days of the recession are over, many Americans still have a difficult time saving money. It doesn’t help that the official poverty rate was last reported at 15%, or 46.5 million people, by the U.S. Census Bureau. It’s awfully hard to save when your income for a family of four is less than $23,850 (although it can... Read More

3 Retirement Myths Busted

Personal Finance

3 Retirement Myths Busted

3 Retirement Myths Busted

Retirement is a goal for many workers across the country. If we can just make it through the grind for 20, 30, 40 or more years, we can retire and live on Easy Street. But there are many myths associated with retirement that can mean the reality doesn’t always match up with the expectation. Here... Read More

Credit.com in the News 5.2.14

Personal Finance

Credit.com in the News 5.2.14

Credit.com in the News 5.2.14

Have you ever hesitated to use a credit card? A lot of people don’t like them, either because credit cards tempt them to overspend or they’re worried about data breaches. Credit cards provide plenty of benefits and protections, but those are valid concerns, and our experts Adam Levin (chairman and co-founder of Credit.com) and Gerri... Read More

Getting Unstuck: How to Make More Money

Personal Finance

Getting Unstuck: How to Make More Money

Getting Unstuck: How to Make More Money

Many folks have been in debt so long, and their families have been in debt so long, that they can’t imagine living any other way. But a simple twist in thinking can really change their fortune. Often, they don’t really have a debt problem – they have an income problem.  And the second problem is... Read More

The True Cost of Bad Credit

Credit 101

The True Cost of Bad Credit

The True Cost of Bad Credit

Life’s easier if you have good credit, financially speaking. It can be challenging to get to that point, but aiming for great credit is a worthwhile goal, considering how costly it can be to have bad credit. You could have poor credit for a variety of reasons, and if you look at your credit score... Read More

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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.

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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).

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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