What is VantageScore and How Will it Change the Housing Market?

Mortgages

What is VantageScore and How Will it Change the Housing Market?

What is VantageScore and How Will it Change the Housing Market?

Did you know you have multiple credit scores, and that for all the work you have done to build your FICO score there are actually many other factors that can affect loan approval? FICO — the Fair Isaac Corporation, which calculates consumer’s credit — has essentially operated unopposed for decades. FICO scores have become synonyms... Read More

15 Tips to Protect Your Credit While Traveling

Credit 101

15 Tips to Protect Your Credit While Traveling

15 Tips to Protect Your Credit While Traveling

Ahh, vacation. You wait all year, or maybe several years, to take a hard-earned trip. Once you do, you want to be able to relax. No matter where, or why, your travels take you away from home, the last thing you should have to worry about is your credit being compromised while you’re gone. But... Read More

15 Budgeting Tips for Building an Emergency Fund

Personal Finance

15 Budgeting Tips for Building an Emergency Fund

15 Budgeting Tips for Building an Emergency Fund

An emergency fund is an important asset that you will hopefully never have to use. What some perceive as frivolous expense is really a key part of planning for the future. Any number of unwelcome occurrences could prompt withdrawal from an emergency account — from medical bills to a broken refrigerator. For anyone other than... Read More

Valentine’s Day Gifts Under $50

Personal Finance

Valentine’s Day Gifts Under $50

Valentine’s Day Gifts Under $50

We’re talking about love so you want to go all out, but the new budget you’ve instituted won’t allow for that. According to a recent study by deal site, TopCashback.com, 60 percent of men have a spending target of under $100 where 41 percent of women hope to spend less than $50. The good news? We’ve... Read More

How to Fix Your Credit After Identity Theft

Identity Theft

How to Fix Your Credit After Identity Theft

How to Fix Your Credit After Identity Theft

Identity theft and credit card fraud are on the rise. Advisory firm Javelin Strategy & Research reported a 16 percent increase in the “identity fraud incidence rate” in 2016, the highest since the firm started tracking in 2003. The result? A massive $16 billion of losses during a single year. Although the majority of these... Read More

Credit Card Outlook for 2018

Credit Cards

Credit Card Outlook for 2018

Credit Card Outlook for 2018

If you’re thinking about applying for a new credit card or asking for a higher limit on a card you already have, you might want to do that sooner rather than later. Credit cards, and credit card issuers, have been on a good run lately, but the good times might end — or at least... Read More

10 States Predicted to Have Strong Housing Markets in 2018

Mortgages

10 States Predicted to Have Strong Housing Markets in 2018

10 States Predicted to Have Strong Housing Markets in 2018

The housing market in the U.S. has experienced a major uptick over the past two years. In 2016, existing home sales were the strongest they’ve been since 2006. More than a decade after the worst housing crisis in U.S. history, it seems we’re finally in a sustainable recovery period. As we enter 2018, the housing... Read More

Filing Taxes in the Wake of the Equifax Breach

Personal Finance

Filing Taxes in the Wake of the Equifax Breach

Filing Taxes in the Wake of the Equifax Breach

Last summer’s Equifax data breach is estimated to have impacted more than 145 million Americans. Vital personal information such as social security numbers, birthdays and addresses were stolen from the credit bureau, which blamed the incident on both human error and technical failures. Whatever the exact cause may have been, the breach has the potential... Read More

Show Me More

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.



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