What You’re Forgetting About Retirement

Personal Finance

What You’re Forgetting About Retirement

What You’re Forgetting About Retirement

Planning for retirement can be tricky and you may feel unprepared for planning your financial future. Researching and understanding the retirement process and even using a retirement calculator can be great places to start. Though retirement may seem far away, the financial decisions you make now can affect how long it takes you to reach... Read More

What You May Not Know About Your Credit Card’s Interest Rate

Credit Cards

What You May Not Know About Your Credit Card’s Interest Rate

What You May Not Know About Your Credit Card’s Interest Rate

[Update: Some offers mentioned below have expired. You can view the current offers from our partners here — Chase Freedom. Disclosure: Cards from our partners are mentioned below.] Credit cards can appear to be simple financial instruments, but behind the plastic can lie an intricate arrangement of terms, conditions, rates and fees. And for those who carry... Read More

10 Insanely Expensive Flights

Personal Finance

10 Insanely Expensive Flights

10 Insanely Expensive Flights

Anytime you want to fly somewhere, you can expect to pay a couple hundred dollars for the plane tickets. Sure, you can save money by traveling at less popular times or using airline or credit card rewards to cover your airfare, but generally, flying isn’t cheap. Even some domestic airfares exceed $1,000 per round-trip ticket,... Read More

Why You Should Buy a Winter Coat Right Now

Personal Finance

Why You Should Buy a Winter Coat Right Now

Why You Should Buy a Winter Coat Right Now

Scoring deals and saving money can be some of the best parts about shopping. Summer is a great time to shop, because retailers know that consumers are using their money for vacations, retreats and weekend activities. Combine that with tons of end-of-season leftovers, and it can really be the perfect time to hit the stores.... Read More

The Most Popular Real Estate Agencies

Mortgages

The Most Popular Real Estate Agencies

The Most Popular Real Estate Agencies

In a new survey of homebuyers and sellers, Century 21 received top marks for consumer satisfaction across all four categories studied, giving the brokerage the highest rank among the largest real estate companies in the U.S. The rankings come from the J.D. Power 2014 Home Buyer/Seller Satisfaction Study, released Wednesday, and measure customer satisfaction with... Read More

The Best Colleges for Entrepreneurs

Students

The Best Colleges for Entrepreneurs

The Best Colleges for Entrepreneurs

Steve Jobs and Mark Zuckerberg decided they didn’t need diplomas to build creative enterprises, but for many people, a college education is an important step toward building a successful business. Like any student with specific career ambitions, an aspiring entrepreneur will research and consider the colleges and universities most likely to help them achieve their... Read More

600 Retailers Caught Up in Massive Malware Attack

Identity Theft

600 Retailers Caught Up in Massive Malware Attack

600 Retailers Caught Up in Massive Malware Attack

Hundreds of retailers have been the subject of attacks by difficult-to-detect malware, which steals customer information using popular remote-access applications like Microsoft Remote Desktop, Apple Remote Desktop, Splashtop, Join.me and others. The malware, called “Backoff,” is described in a new advisory from the Department of Homeland Security, compiled with the help of the National Cybersecurity... Read More

7 Credit Card Strategies to Help Your Credit

Credit Cards

7 Credit Card Strategies to Help Your Credit

7 Credit Card Strategies to Help Your Credit

Using a credit card is one of the easiest ways to build your credit score, assuming you use it responsibly. The revolving-credit trade line will help you establish a pattern of payment behavior and credit use, which have the most influence on your credit score, and there are a few simple things you can do... Read More

The 5 Fastest-Growing Scams in America

Personal Finance

The 5 Fastest-Growing Scams in America

The 5 Fastest-Growing Scams in America

The Consumer Federation of America does an exhaustive survey every year of the top complaints registered with various state and local consumer protection agencies. This year, 40 agencies in 23 states across America responded to the survey.  The survey fills out a picture of the “gotcha” world that is often incomplete, because state and local agencies... Read More

What Many College Rankings Don’t Tell You

Students

What Many College Rankings Don’t Tell You

What Many College Rankings Don’t Tell You

Fifteen years ago, our oldest child was preparing to head off to college in a distant state. My wife and I had so many thoughts running through our minds at the time that we thought our heads would explode: Will he be OK on his own? Will the curriculum be challenging enough? Will he figure... Read More

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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.



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