How an Identity Thief Can Access Your Smartphone

Identity Theft

How an Identity Thief Can Access Your Smartphone

How an Identity Thief Can Access Your Smartphone

Just as the cellphone was a boon to busy people everywhere, the cellphone’s shinier cousin — the smartphone — has literally changed the way we work and live. Thanks to these little devices, we have access to unheard-of communication and capability. Text, email, Internet surfing, watching movies and even online shopping are just a few... Read More

The States With the Most Student Loan Debt

Students

The States With the Most Student Loan Debt

The States With the Most Student Loan Debt

As student loan debt continues to climb, President Barack Obama recently announced plans to expand loan relief programs, including a cap on monthly payments at 10% of household income. Whether or not these changes are the solution to what some have called a student loan debt crisis, people who struggle to make their monthly payments... Read More

14 Things You Need to Do to Be a Financial Adult

Personal Finance

14 Things You Need to Do to Be a Financial Adult

14 Things You Need to Do to Be a Financial Adult

Growing up is hard to do. And it’s even harder in today’s tough economy. With so many young adults moving back in with mom and dad, that line between childhood and adulthood is blurring. Whatever your financial situation, though, you can begin taking steps to become an independent financial adult. Even if you’re living at... Read More

5 Ways to Get Things Off Your Credit Report

Credit Score

5 Ways to Get Things Off Your Credit Report

5 Ways to Get Things Off Your Credit Report

Negative information on your credit can be extremely frustrating. You know it’s not good, and you just want it to go away. Before you pull your hair out or spend thousands of dollars trying to repair your credit, you’ll want to understand the ways this kind of information can be removed from your reports. First,... Read More

Should You Wait to Take Social Security?

Personal Finance

Should You Wait to Take Social Security?

Should You Wait to Take Social Security?

Even if retirement is decades away, it is important to understand the basics of Social Security and get a good understanding of when you can (and when you should) begin collecting your benefits down the road. This is a good idea as you plan for retirement and determine how much money you need to save.... Read More

The Best Travel Rewards Credit Cards in America

Credit Cards

The Best Travel Rewards Credit Cards in America

The Best Travel Rewards Credit Cards in America

[Update: Some offers mentioned below have expired. You can view the current offers from our partners here — Barclaycard Arrival Plus and Capital One Venture Rewards Visa Signature Card. Disclosure: Cards from our partners are mentioned below.] Travel rewards credit cards continue to become more popular every year. These are not the cards that offer points... Read More

Can I Get a Loan for a Laptop?

Credit Cards

Can I Get a Loan for a Laptop?

Can I Get a Loan for a Laptop?

Whether you prefer to haul your schoolwork to the local coffee joint, or enjoy telecommuting privileges for work, a laptop might be essential for your lifestyle. Unfortunately, even the more affordable laptops cost several hundred dollars. And if you need tons of memory, excellent processing speeds, and other bells and whistles, you could pay $1,000... Read More

The Secret Facility Behind the Credit Card Revolution

Credit Cards

The Secret Facility Behind the Credit Card Revolution

The Secret Facility Behind the Credit Card Revolution

Outside of a large, windowless industrial building in the Denver suburbs, you won’t find any fancy signs describing its latest tenant. Its entrance is unmarked, and a camera is trained on whoever dares to press the call button next to a blacked-out door. If you are an invited guest, and you do make it inside... 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