3 Things New Grads Spend Too Much Money On

Personal Finance

3 Things New Grads Spend Too Much Money On

3 Things New Grads Spend Too Much Money On

Going from a full-time student to a full-time adult can be quite shocking. The real world is expensive. Most people right out of college don’t have much experience managing their own money and it shows in their spending patterns. But there are some common offenders. We’ve compiled a list of three things that new grads... Read More

Credit.com in the News 3.14.14

Personal Finance

Credit.com in the News 3.14.14

Credit.com in the News 3.14.14

Journalists called on the Credit Experts in the last few weeks to talk about the latest need-to-know consumer credit topics, like check fraud, when you shouldn’t use your credit card, the importance of knowing your credit scores, current scams going around and social media privacy issues. See what Credit.com and IDentity Theft 911 Co-Founder and... Read More

Why the Latest Target News Isn’t That Shocking

Identity Theft

Why the Latest Target News Isn’t That Shocking

Why the Latest Target News Isn’t That Shocking

It’s certainly not good news that Target knew there were hackers in its system well before they said they did. The company’s security system FireEye detected malware and alerted personnel on Nov. 30 — before the hackers started removing credit card data from Target’s servers, according to a report from Bloomberg Businessweek. The FireEye security... Read More

3 Things You Should Buy New, Not Used

Personal Finance

3 Things You Should Buy New, Not Used

3 Things You Should Buy New, Not Used

From thrift shops to eBay, there are many ways to shop secondhand. Buying gently used items can keep more money in your pocket. For many items it’s also a smart choice, but some things are better purchased new. Kid-related items are often a good thing to buy used, since kids outgrow clothes very quickly. This means... Read More

A Big Problem for Big Data

Credit Score

A Big Problem for Big Data

A Big Problem for Big Data

In order to get a personal loan, credit card or mortgage, you usually need a credit history. If you’re one of the 64 million Americans without one, your limited or non-existent access to these products can be incredibly frustrating. That’s why some groups have put together alternative consumer reporting models, which attempt to measure a person’s... Read More

How Much Is Your Eating Hurting Your Credit?

Managing Debt

How Much Is Your Eating Hurting Your Credit?

How Much Is Your Eating Hurting Your Credit?

Yeah yeah yeah, overeating isn’t great for your body, and it can take a toll on your wallet if you’re dining out a lot. You’ve heard this before — but do your eating habits have an impact on your financial health? They could. Food and money are a dangerous pair, because maintaining self-control in these... Read More

Saving for a House: It’s More Than a Down Payment

Mortgages

Saving for a House: It’s More Than a Down Payment

Saving for a House: It’s More Than a Down Payment

It’s easy to get caught up in credit scores when considering a home purchase. But as lenders continue to loosen requirements, the need to have money in the bank doesn’t get any less acute. Getting prescriptive about how much you need in savings to satisfy a mortgage lender is tough business. The answer can depend... Read More

Show Me More

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