How to Save for Your Wedding in Less Than a Year

Personal Finance

How to Save for Your Wedding in Less Than a Year

How to Save for Your Wedding in Less Than a Year

Weddings are expensive. The national average cost of a wedding (excluding the honeymoon) is a whopping $28,427, according to a 2013 annual survey from TheKnot. With costs so high, it seems impossible not to go into debt for your wedding — or at least settle for a 20-year engagement so you can save up! But... Read More

A Small Student Lender Trying to Change the Game

Students

A Small Student Lender Trying to Change the Game

A Small Student Lender Trying to Change the Game

There’s not a lot of love out there for the student loan industry. Sure, they help millions of students who couldn’t otherwise afford it get a college degree, but you’ve no doubt heard a horror story about someone struggling with crippling student loan debt. Some have even called the $1.2 trillion of outstanding education debt... Read More

Watch Out for the Newest Credit Score Scam

Identity Theft

Watch Out for the Newest Credit Score Scam

Watch Out for the Newest Credit Score Scam

The Better Business Bureau warned consumers recently about an email scam promising free credit scores. The BBB has received more than 2,700 complaints about a company offering free credit scores for seven days, after which there is a charge, and emails have also said links in these emails lead to a phishing scam and malware.... Read More

How to Avoid Going Broke After an ER Visit

Managing Debt

How to Avoid Going Broke After an ER Visit

How to Avoid Going Broke After an ER Visit

The terrifying experience of visiting the emergency room often continues when you receive the bill. Medical costs can be high and one trip to the emergency room can have a serious (and often disastrous) impact on your finances. Here are four tips to avoid going broke from a medical emergency. 1. Think About It Ahead... Read More

8 Credit Card Problems You Can Avoid

Credit Cards

8 Credit Card Problems You Can Avoid

8 Credit Card Problems You Can Avoid

I’m almost certain you’ve received credit card offers in the mail with an alluring interest rate. Unfortunately, looks can be deceiving, because the lowest interest rates are reserved for consumers with the highest credit scores. Consumers can feel misled by these promotions, even when the credit card companies aren’t violating any laws. The CARD Act... Read More

4 Ways to Avoid Overspending

Personal Finance

4 Ways to Avoid Overspending

4 Ways to Avoid Overspending

The problem with creating a budget is that it’s just the first step. The next, and often more difficult, step is sticking to that budget. You know you only have a certain amount of money set aside to spend for the month but find yourself tempted to spend more. Overspending can bust your budget, leave... Read More

9 Golden Rules of Mortgage Shopping

Mortgages

9 Golden Rules of Mortgage Shopping

9 Golden Rules of Mortgage Shopping

With interest rates still low and the recession receding in the distance, plenty of people are window shopping the real estate listings and wondering, “Is now the time to finally buy a home?” 1. Check Your Credit Your first move — long before you start home shopping — is to find out where you stand... Read More

How to Prepare for a Possible Layoff

Personal Finance

How to Prepare for a Possible Layoff

How to Prepare for a Possible Layoff

The economy is getting better, companies seem to be hiring, and people are generally more optimistic about the future. You feel secure in your job so you can forget your worries, right? Wrong! Now is the best time to prepare for a possible layoff. If you wait until rumors swirl about your company’s financial hardship,... Read More

Credit.com in the News 3.21.14

Personal Finance

Credit.com in the News 3.21.14

Credit.com in the News 3.21.14

Have you heard about how your social media activity could impact your credit score? It’s a scary concept, said Credit.com’s Director of Consumer Education Gerri Detweiler, but it’s also not something to be too worried about at this point. She talked about the topic with a reporter from MarketWatch. Gerri and Adam Levin, chairman and... Read More

Does Anyone Think Their Credit Cards Are Secure?

Identity Theft

Does Anyone Think Their Credit Cards Are Secure?

Does Anyone Think Their Credit Cards Are Secure?

Consumers are less and less confident about using their credit cards to pay for things ever since some major retailers like Target reported security breaches, according to Retail Solutions Online. Even so, many consumers are still paying with their credit cards. A survey conducted by Balance Innovations found 59% of respondents haven’t made any changes to... 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.

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