Can Corporate America Protect Us From Hackers?

Identity Theft

Can Corporate America Protect Us From Hackers?

Can Corporate America Protect Us From Hackers?

Gregg Steinhafel’s ouster at Target this week was a major C-Suite casualty in corporate America’s war on hackers. Sales took a major nosedive after the retailer’s big breach hit the news last December, with fourth-quarter profits down 46%. So what’s a CEO to do? First of all, if it seems a little overblown to blame... Read More

Will Student Loan Forgiveness Programs Be Capped?

Students

Will Student Loan Forgiveness Programs Be Capped?

Will Student Loan Forgiveness Programs Be Capped?

The Brookings Institution just threw another log on the smoldering student loan problem. In a recently published report by its Brown Center on Education Policy, the institution sets out to estimate what the various government relief strategies for student loans might end up costing taxpayers. The news isn’t good. The BCEP estimates that the price... Read More

Why Banks Are Giving Kids Bikes

Personal Finance

Why Banks Are Giving Kids Bikes

Why Banks Are Giving Kids Bikes

INDIANAPOLIS — On the first day of a new program at his school, a sixth-grade boy gets situated in the saddle of a stationary bicycle and says aloud to himself, smiling: “I’ve never ridden a bike before.” He slowly pushes the pedals, first with his right foot, then his left, and seconds later he’s doing... Read More

How I Raised My Credit Score 67 Points in 3 Months

Credit Score

How I Raised My Credit Score 67 Points in 3 Months

How I Raised My Credit Score 67 Points in 3 Months

You can’t blame Eddie for feeling like trying to build better credit was a lost cause. In the spring of 2011, he lost his job. When he found another one three months later, he had to take a significant pay cut. He managed to keep paying his mortgage, car payment and utilities on time, but... Read More

Did You Forget to Budget for These Summer Expenses?

Personal Finance

Did You Forget to Budget for These Summer Expenses?

Did You Forget to Budget for These Summer Expenses?

Summertime is supposed to be mostly carefree, and it’s easy to think you’ll be spending less money. Warm breezes, nights on the patio and watching the sun go down are free, right? And nobody’s fretting (yet) about how they’re going to pay for the holidays. Besides, after making travel reservations and buying wedding and graduation... Read More

Match.com Babies Can Win a College Scholarship

Students

Match.com Babies Can Win a College Scholarship

Match.com Babies Can Win a College Scholarship

People who braved the early days of Internet dating during their quests for love can finally reap their reward: Match.com is offering a college scholarship to the children of people who met through the online dating service. Obviously, they have more to be happy about than a potential college scholarship: They’ve seemingly enjoyed years of... Read More

The 10 Most Common Student Loan Mistakes

Students

The 10 Most Common Student Loan Mistakes

The 10 Most Common Student Loan Mistakes

Student loans are complicated. And, unfortunately, most freshly-minted freshmen sign those promissory notes without having a clue about student loans (let alone know what a promissory note is). Before you sign on the dotted line, take time to understand your student loan options. And be sure you’re making the best choices. While you’re at it,... Read More

Can Debt Collectors Call My Cellphone?

Managing Debt

Can Debt Collectors Call My Cellphone?

Can Debt Collectors Call My Cellphone?

Getting calls from debt collectors is never fun, but when they keep calling you on your cellphone, it can really send you over the edge. After all, you probably carry your cellphone with you virtually everywhere, and getting those calls when you’re in a meeting at work, at the supermarket or watching your kid’s soccer... Read More

Why Your 20s Are the Time to Save

Personal Loans

Why Your 20s Are the Time to Save

Why Your 20s Are the Time to Save

Graduation season always brings an equal mix of hope and anxiety about the future: Hope for what young, bright minds unleashed into the world might do, and anxiety that they will find a decent job. One part of the future that is rarely part of any graduation party chatter, however, is retirement. And that’s a... 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