Help! I Owe $3,600 in Parking Tickets

Managing Debt

Help! I Owe $3,600 in Parking Tickets

Help! I Owe $3,600 in Parking Tickets

It’s amazing how something small, like a parking ticket, can quickly snowball into something overwhelming. People receive debt collection notices over little things all the time, and while it’s easy to dwell on how the problem could have been prevented, time is much better spent trying to deal with the current issue: a pile of debt... Read More

Prepaid Cards: What’s the Catch?

Credit Cards

Prepaid Cards: What’s the Catch?

Prepaid Cards: What’s the Catch?

Prepaid debit cards are currently all the rage. These cards are sold at gas stations, grocery stores, drug stores and office supply stores, and several celebrities are creating branded cards with their names. For some people, prepaid cards offer a solution to their struggles with credit card debt. Since prepaid cards are not credit cards,... Read More

The Worst Date Ever?

Identity Theft

The Worst Date Ever?

The Worst Date Ever?

A Colorado man was arrested after he allegedly went to a woman’s house under the guise of a date and stole her identity. Investigators believe Joseph White Jr., 32, may have used the same routine on multiple women, the Colorado Springs Gazette reports. White is said to have met the woman on dating site lotsofish.com... Read More

7 Ways Bad Credit Holds You Back

Credit Score

7 Ways Bad Credit Holds You Back

7 Ways Bad Credit Holds You Back

Having poor or no credit may not seem like a big deal to some people, but your credit standing impacts more areas of your life than you may think. There’s the obvious concept — bad credit means you’ll likely have trouble getting credit — but your credit standing can make life much more expensive than it needs to... Read More

The American Dream: Is It Within Your Reach?

Managing Debt

The American Dream: Is It Within Your Reach?

The American Dream: Is It Within Your Reach?

What’s your vision of the American Dream and what are you doing to achieve it? In the new 2014 Credit.com American Dream Survey, we found that most are optimistic about their prospects for achieving their version of the American Dream, but some groups are definitely more confident than others. The majority of those surveyed chose one... Read More

5 Words That Can Help You Sell Your House

Mortgages

5 Words That Can Help You Sell Your House

5 Words That Can Help You Sell Your House

Early summer is often referred to as homebuying season. It is traditionally a time when more homes go on the market and more people are looking to buy a home. This means it can also be a competitive time to get the best price for sellers. But you have to be offering something that buyers... Read More

5 Common Credit Card Questions

Credit Cards

5 Common Credit Card Questions

5 Common Credit Card Questions

The popularity of credit cards can be explained by how simple they are to use. Cardholders can merely present a piece of plastic to pay for nearly anything, within their credit limit. But in fact, these cards are complex financial instruments, so it is no surprise that credit card users eventually have many questions. Here... Read More

Is an Old Debt Haunting You?

Managing Debt

Is an Old Debt Haunting You?

Is an Old Debt Haunting You?

Financial stability is a function of awareness: If you don’t know what’s going on with your bank accounts or credit standing, you may not know about issues with them. And ignoring your finances is not only unproductive, it can be damaging. Failing to check your accounts and credit reports could lead you to miss signs... 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.

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