4 Money Challenges Military Members Face

Managing Debt

4 Money Challenges Military Members Face

4 Money Challenges Military Members Face

For members of the U.S. military — whether they are active-duty enlisted, Guard or Reserve — there is a common theme for many: low pay and high debt. These same soldiers find themselves on military bases surrounded by many offers to finally buy things they’ve always wanted, but could never afford. Some soldiers simply want... Read More

20 Signs You’re Buying a Home in a Great Neighborhood

Mortgages

20 Signs You’re Buying a Home in a Great Neighborhood

20 Signs You’re Buying a Home in a Great Neighborhood

A great neighborhood sells a home, real estate agents say. It also helps your home hold value and makes it easy to sell when you decide to move on. With all the pressure and excitement of home shopping, how can you know if a neighborhood is truly great? 1. It Meets Your Specs Make a... Read More

How to Redecorate Your Home on a Budget

Personal Finance

How to Redecorate Your Home on a Budget

How to Redecorate Your Home on a Budget

Now that spring is here, it’s a great time to do a little spring cleaning. After a long, tough winter, many of us are looking forward to brightening surroundings. This can happen indoors as well as outdoors if you do a little redecorating. But sprucing up your place can get expensive. There are some ways... Read More

Credit.com in the News 4.4.14

Personal Finance

Credit.com in the News 4.4.14

Credit.com in the News 4.4.14

Your financial awareness has a lot to do with how successfully you manage your money, but it can be confusing to try and keep track of the best products out there or the most serious threats to your security. From identity theft to expensive fees to the best rewards credit cards, Credit.com’s team has the... Read More

Can You Consolidate Your Debt With Bad Credit?

Managing Debt

Can You Consolidate Your Debt With Bad Credit?

Can You Consolidate Your Debt With Bad Credit?

When you’re struggling with debt, you look for any lifeline you can find. A debt consolidation loan may be one of them. But can you get one when you need it? A Credit.com blog reader asks: Are there any second-chance lenders and debt consolidation loans/investors out there w/low rates for folks with really bad and... Read More

Are You Paying More Than Everyone Else When You Shop Online?

Personal Finance

Are You Paying More Than Everyone Else When You Shop Online?

Are You Paying More Than Everyone Else When You Shop Online?

NY Times best-selling author Julia Angwin has a new book, Dragnet Nation: A Quest for Privacy, Security, and Freedom in a World of Relentless Surveillance, which explains the real-life consequences of privacy erosion, and her own personal journey in escaping Eyes in the Sky. The following is an excerpt that originally appeared on BobSullivan.net, and... Read More

Refinancing? Why Your Bank May Not Be the Best Deal

Mortgages

Refinancing? Why Your Bank May Not Be the Best Deal

Refinancing? Why Your Bank May Not Be the Best Deal

Planning to refinance your house? Figure you’ll make it easy by opting to refinance through your current mortgage holder? If yes, beware of offers too good to be true. Here’s what you need to know about your mortgage holder’s offer. Those who have refinanced or bought a home since 2008 know all too well what... Read More

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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