What Was the First Student Loan?

Students

What Was the First Student Loan?

What Was the First Student Loan?

I don’t know about you, but I have a love-hate relationship with Facebook — it’s helpful but also really annoying, and even though it enables me to discover new things, it’s a major drain on my resources. I feel the same way about my student loans. Fun fact: Both started at Harvard University. I guess... Read More

How Do Mistakes Get Removed From Your Credit Reports?

Credit Score

How Do Mistakes Get Removed From Your Credit Reports?

How Do Mistakes Get Removed From Your Credit Reports?

You’ve found a mistake on your credit reports and you know you need to dispute it. But what happens when you do? Here are four questions we often hear from consumers about the process of getting information removed from their credit reports. 1. Do I Have to Tell the Credit Bureau to Take Old Information... Read More

How to Read a Credit Card Offer

Credit Cards

How to Read a Credit Card Offer

How to Read a Credit Card Offer

Being a credit card user is a lot like being the best looking person in the room. Credit card issuers are constantly trying to get your attention online, through the mail, and even at kiosks in the airport. With so many offers to consider, how can credit card applicants figure out which one is best?... Read More

6 Money Questions New Parents Must Ask Themselves

Personal Finance

6 Money Questions New Parents Must Ask Themselves

6 Money Questions New Parents Must Ask Themselves

There’s really nothing scarier than coming home from the hospital — or the adoption agency! — with a new little human being to take care of. Until now, you’ve only been responsible for your own life. Now, you’re responsible for the life of someone else – someone you love more than life itself. And while... Read More

Auto Leases Hit Record High

Auto Loans

Auto Leases Hit Record High

Auto Leases Hit Record High

Auto leasing has become an increasingly popular choice for consumers looking to finance a new vehicle. Why? It’s cheaper than buying one. (At least, the monthly payments are lower — it could end up being more expensive in the long run.) “Leasing continues to grow in popularity among car shoppers, especially those hoping to stay within... Read More

A Browser Add-On That Lets You Control Your Data

Identity Theft

A Browser Add-On That Lets You Control Your Data

A Browser Add-On That Lets You Control Your Data

If you make a product designed to help people protect their privacy, a shout-out from Edward Snowden is marketing gold.  That’s what happened recently for the makers of Ghostery, a free Web browser plugin that shows users which companies are tracking their online habits. The tool, which lists third-party firms collecting data in a small... Read More

How Home Improvement Can Improve Your Tax Bill

Mortgages

How Home Improvement Can Improve Your Tax Bill

How Home Improvement Can Improve Your Tax Bill

There are some special tax benefits homeowners get for owning a home. Homeowners can deduct their mortgage interest, points they paid as part of the financing process and interest on any home improvement loans they take out (loans which are then used to make capital improvements, or those that increase the value of a home).... Read More

10 Ways to Save Money When You Make the Minimum Wage

Personal Finance

10 Ways to Save Money When You Make the Minimum Wage

10 Ways to Save Money When You Make the Minimum Wage

Last month, Money Talks News posted an article about how to save $1,000 by summer. It was packed with good ideas, but as one commenter mentioned, the list seemed mostly geared toward those making middle-class incomes. What about those squeaking by on minimum wage? Is there any hope for you to get money into savings? After... Read More

4 Signs You’re in Real Financial Trouble

Managing Debt

4 Signs You’re in Real Financial Trouble

4 Signs You’re in Real Financial Trouble

Sometimes it’s not so easy to tell how bad things are until you are in real trouble. When it comes to your personal finances, there are some telltale signs it’s time to take action. The sooner you take action, the less likely you’ll encounter long-term damage down the road. But the first step is identifying... Read More

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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.

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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.

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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.

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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.

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- The Credit.com Editorial Team