5 Steps for Getting a Car Loan

Auto Loans

5 Steps for Getting a Car Loan

5 Steps for Getting a Car Loan

When you are looking to buy a vehicle, the first thing you should do is apply for a preapproved loan. The loan process can seem daunting, but it’s easier than you think. Here are five steps for getting a car loan. 1. Check Your Credit Before you shop for a loan, check your credit report.... Read More

5 Credit Cards for Car Maintenance

Credit Cards

5 Credit Cards for Car Maintenance

5 Credit Cards for Car Maintenance

[Disclosure: Cards from our partners are reviewed below.] If you want to keep your ride in tip-top shape, you perform regular maintenance. After all, the last thing you want is for your car to break down, leaving you stranded on the side of the road. Whether you prefer to do it yourself or call a... Read More

The 10 Best Credit Cards for Online Shopping

Credit Cards

The 10 Best Credit Cards for Online Shopping

The 10 Best Credit Cards for Online Shopping

[UPDATE: Some offers mentioned below have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace. DISCLOSURE: Cards from our partners are mentioned below.] We found credit cards that pay you to do what you love—shop online. No, but really, if you’re... Read More

1099-Cs and Your Taxes: What You Should Know

Credit 101

1099-Cs and Your Taxes: What You Should Know

1099-Cs and Your Taxes: What You Should Know

Not many know what a 1099-C is or why they receive it. But these forms can be a little scary because they’re tax documents—and no one wants to mess up their taxes. When you get one, it’s because you had a portion or all of a debt canceled. It’s important to understand what a 1099-C... Read More

4 Credit Cards That Offer Price Protection

Credit Cards

4 Credit Cards That Offer Price Protection

4 Credit Cards That Offer Price Protection

[Disclosure: Cards from our partners are reviewed below.] Many credit card issuers offer a price protection feature that can help you save on purchases even after your transaction has been completed. When an item you purchased on your card is listed for a lower price within a certain time frame, cards with price protection may... Read More

7 Ways to Support Charities, Even If You’re Broke

Personal Finance

7 Ways to Support Charities, Even If You’re Broke

7 Ways to Support Charities, Even If You’re Broke

When college student Kara Skinner was short on cash, she started the blog Lover’s Quarrel, reviewing romance novels and including affiliate links in her posts. Thanks to her posts, she earned $60 from those links. But instead of splurging on pizza and a night out with friends, Kara decided to use her money in a... Read More

Got a Discover Card? Save More with the Discover Deals Platform

Credit Cards

Got a Discover Card? Save More with the Discover Deals Platform

Got a Discover Card? Save More with the Discover Deals Platform

Discover’s lineup of credit cards offers something for shoppers of all kinds. There’s a card designed for students, a card for frequent travelers, and cards that earn cash back on all purchases. Smart shoppers can make their cards go further with Discover Deals, the online shopping platform that offers exclusive discounts to Discover cardholders and... Read More

4 Credit Cards for NHL Fans

Credit Cards

4 Credit Cards for NHL Fans

4 Credit Cards for NHL Fans

[UPDATE: Some offers mentioned below have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace. DISCLOSURE: Cards from our partners are mentioned below.] Hockey season is officially here, and hardcore NHL fans can now settle in to watch their favorite sport. If you love... Read More

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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