What Type of Home Is Right for You?

Mortgages

What Type of Home Is Right for You?

What Type of Home Is Right for You?

With all the different types of homes in the marketplace, it can be hard to decide what is best for you. Whether it’s maintenance, privacy, space or custom-built features, each dwelling type comes with its own set of advantages and drawbacks. Determining what type of home is best for you requires an understanding of the... Read More

4 Ways to Cut This Cost From Your Mortgage Payment

Mortgages

4 Ways to Cut This Cost From Your Mortgage Payment

4 Ways to Cut This Cost From Your Mortgage Payment

Buying a primary home? The 20% down rule is yesterday’s news. More down payment options exist now, including both government and private sector alternatives, allowing more flexible choices for homebuyers. Don’t be fooled however, as most of the programs that allow for less than 20% down include private mortgage insurance (PMI) — which is an... Read More

Are You Drinking Your Way Into Debt?

Managing Debt

Are You Drinking Your Way Into Debt?

Are You Drinking Your Way Into Debt?

It’s fun to unwind with friends after work, but handing a bartender your credit card to open up a tab can do considerable damage to your finances. While most consumers are aware that going out to eat is a common budget breaker, many underestimate the impact alcohol has on their monthly budget. Even in areas... Read More

3 Things That Change the Moment You Get Married

Personal Finance

3 Things That Change the Moment You Get Married

3 Things That Change the Moment You Get Married

Long-term relationships are about more than love and fidelity — they’re also a financial commitment. Often, when couples move in together or get married, they combine most or all of their money, which has a huge impact on the big financial picture. In relationships where finances get some version of the “yours, mine and ours”... Read More

Help! I’m Marrying Into $166K of Student Loan Debt

Students

Help! I’m Marrying Into $166K of Student Loan Debt

Help! I’m Marrying Into $166K of Student Loan Debt

Couples may find that one of the most challenging adjustments when forming a life together is combining their finances. In many ways, it’s great to join financial forces by increasing household income, sharing costs and having someone to work with as you pursue savings, retirement and spending goals. It can also be a total nightmare.... Read More

Can a Former Employer Keep You From Getting a Job?

Personal Finance

Can a Former Employer Keep You From Getting a Job?

Can a Former Employer Keep You From Getting a Job?

OK, free market defenders, time to stand up and be counted. Do you believe in competition, or not? Aptly named “non-compete clauses” are creeping into standard employment agreements across a host of low-wage industries, according to a story in The New York Times. One such clause prevented a 19-year-old college kid from getting a job... Read More

Can a Timeshare Hurt My Credit?

Credit Score

Can a Timeshare Hurt My Credit?

Can a Timeshare Hurt My Credit?

With summer upon us, and the much-deserved vacation time that comes with it, I often get questions from friends about timeshares. Is it a good idea? How will it affect my credit? What should I watch out for? As anyone who has had the pleasure of sitting through a timeshare sales pitch can attest to,... Read More

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

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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.

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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.

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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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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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- The Credit.com Editorial Team