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

The Slacker’s Guide to Saving for Retirement

Personal Finance

The Slacker’s Guide to Saving for Retirement

The Slacker’s Guide to Saving for Retirement

Whether retirement is coming soon or feels far away, it’s something you need to think about. Include it as part of your budget, even if only to remind yourself that retirement is one of your financial goals. Earlier Is Better In the beginning of your career, you may be able to set aside only a... Read More

The Student Loan Disrupter That Just Raised $80M

Students

The Student Loan Disrupter That Just Raised $80M

The Student Loan Disrupter That Just Raised $80M

Peer-to-peer lender Social Finance (SoFi) secured $80 million in funding from Discovery Capital Management, entrepreneur Peter Thiel and Wicklow Capital, the company announced today, which will be dedicated to expanding its student loan refinancing program and offering other loan products. SoFi CEO Mike Cagney said peer-to-peer mortgages are next on the priority list. “That money is... Read More

Lawsuit Over LinkedIn Data Breach Heats Up

Identity Theft

Lawsuit Over LinkedIn Data Breach Heats Up

Lawsuit Over LinkedIn Data Breach Heats Up

LinkedIn faces accusations of fraud in a class-action lawsuit stemming from a data breach its systems suffered almost two years ago. In June 2012, hackers infiltrated the professional networking site and posted passwords of 6.5 million LinkedIn members, and the plaintiff in the suit has claimed the site misrepresented its security measures. The primary plaintiff,... Read More

Tax Identity Theft: Why You’re Vulnerable

Identity Theft

Tax Identity Theft: Why You’re Vulnerable

Tax Identity Theft: Why You’re Vulnerable

A few weeks ago, a friend of mine – let’s call her Mallory – got an unsettling call from her accountant. The accountant had been preparing Mallory’s taxes, hit “Send” to e-file the finished return, and it was rejected. Someone had already filed a tax return using Mallory’s Social Security number. She’d been a victim... Read More

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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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