Is the Secret Deal Between Your College & Your Bank Costing You?

Students

Is the Secret Deal Between Your College & Your Bank Costing You?

Is the Secret Deal Between Your College & Your Bank Costing You?

It’s not all that hard to figure out: When your argument hits too close to home, the other side starts calling you names. So when a vice president for government affairs of payments for the Financial Services Roundtable — the industry’s leading legislative advocate — calls the Consumer Financial Protection Bureau a “school yard bully”... Read More

Is ID Theft Worse If You’re In the Military?

Identity Theft

Is ID Theft Worse If You’re In the Military?

Is ID Theft Worse If You’re In the Military?

Identity theft can wreak havoc on a person’s life — impacting their finances, health and good standing in the community. This growing crime poses an even greater threat for military personnel who require security clearance to do their jobs. Security clearance gives military personnel, as well as civilians working for the government or contractors, access to classified... Read More

Should the Newest Student Loan Stats Scare You?

Students

Should the Newest Student Loan Stats Scare You?

Should the Newest Student Loan Stats Scare You?

Only 36% of the most common federal student loans are being repaid on time, according to recently released Department of Education data on the Direct Loan program. While 26% of the $685.7 billion in outstanding loans belong to borrowers still in school or in their grace periods — they’re not expected to be repaying anything... Read More

4 Things That Won’t Affect Your Mortgage

Mortgages

4 Things That Won’t Affect Your Mortgage

4 Things That Won’t Affect Your Mortgage

When you’re hoping to lock down a home loan, the focus is on making sure you look like a safe bet for prospective lenders. Conversation tends to drift to the key pieces of the pre-approval puzzle, from credit score and stable income to acceptable debt levels and suitable assets. No one’s arguing the wisdom there.... Read More

Even Hackers Worry About Getting Hacked

Identity Theft

Even Hackers Worry About Getting Hacked

Even Hackers Worry About Getting Hacked

Hackers have some of the best security knowledge out there, but that doesn’t mean they’re attack-proof: 88% of self-identified hackers surveyed at a recent security conference said they think their personally identifiable information is at risk of being compromised online. At the same time, the vast majority of those surveyed said they believe they’ll never... Read More

4 Reasons to Live in the Country

Mortgages

4 Reasons to Live in the Country

4 Reasons to Live in the Country

Determining how much home you can afford and figuring out where you should live are huge life decisions. One of the most important questions you ask yourself early in the homebuying process is which environment is best for your finances and lifestyle — the debate between the city, suburbia and the country. We’ve covered the perks... Read More

How to Get Bank Fees Reversed

Personal Finance

How to Get Bank Fees Reversed

How to Get Bank Fees Reversed

As you’re examining the latest wave of transactions on your bank or credit card statement, you notice an unfamiliar fee. Should you just bite the bullet and pay it, or should you ask your financial institution to remove it? The latter is the better choice. In fact, a survey conducted last year by Credit.com found that 44% of respondents... Read More

Show Me More

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