Personal Finance

Our team of experts is here to help provide unbiased, common-sense personal finance advice & insights. Get money management tips & ideas, learn how to improve your budgeting and receive guidance on how to save & invest your money to drive greater returns. These are just some of the personal finance topics our experts address.

10 Ways Divorce can Affect your Credit

10 Ways Divorce can Affect your Credit

10 Ways Divorce can Affect your Credit

As nearly half of the American population already knows, divorce is a difficult, emotional process to go through. This difficulty can be compounded depending on the number of years a couple has been together, the dollar amount of their acquired assets, and whether or not they have any children. Divorce can also have an impact... Read More

How I Replaced $700 Worth of Monthly Subscriptions with My Library Card

How I Replaced $700 Worth of Monthly Subscriptions with My Library Card

How I Replaced $700 Worth of Monthly Subscriptions with My Library Card

“All the thoughts and dreams of people throughout history, and all you need’s this little card to borrow   ’em for free!” Other children of the ’90s might recognize this lyric from the classic tune “Library Card,” rapped by the cast of the cartoon show Arthur. It’s a silly song, but it’s a solid reminder that... Read More

12 Ways to Limit Travel Fees This Holiday Season

12 Ways to Limit Travel Fees This Holiday Season

12 Ways to Limit Travel Fees This Holiday Season

No matter how you plan to travel this holiday season, someone might try to squeeze extra money out of you. Hotels, airlines, rental agencies, and others in the travel industry can have add-on fees that make your trip more expensive. But if you travel smart, you can avoid unnecessary costs. Here are 12 tips for... Read More

Your Guide to Holiday Tipping

Your Guide to Holiday Tipping

Your Guide to Holiday Tipping

The holiday season is here, and you’ve been in a shopping frenzy, checking recipient after recipient off your list. But wait, did you forget someone? What about all those people who do everything you don’t have the time—or the skill—to do throughout the year, like maintaining your garden or pushing you through an early-morning gym... Read More

25 Secret Santa Gift Ideas under $25

25 Secret Santa Gift Ideas under $25

25 Secret Santa Gift Ideas under $25

The much-loved Secret Santa game is an office favorite. But with a budget to follow, it can be tough to find the right gift at the right price—and you don’t want to give something no one wants. To help you out, we’ve found gifts under $25 that are on budget and on trend. Public Supply... Read More

The Widow or Widower’s Guide to Social Security Benefits

The Widow or Widower’s Guide to Social Security Benefits

The Widow or Widower’s Guide to Social Security Benefits

The loss of a spouse is devastating, and in that situation, the last thing you want to worry about is money. Unfortunately, as a widow or widower, money is often one of the most important things to think about. And Social Security benefits are usually one of the first—and trickiest—financial resources to navigate. To help... Read More

30 Gifts for Kids of All Ages

30 Gifts for Kids of All Ages

30 Gifts for Kids of All Ages

No matter how well you know the kids on your list, they can be hard to buy for. After testing a dizzying number of toys, games, and gifts, we’ve selected 30 favorites divided by age. All are under $100 and the majority are under $50, so you can mind your budget and delight all the... Read More

Get Ahead on Your Holiday Shopping with December’s Best Buys

Get Ahead on Your Holiday Shopping with December’s Best Buys

Get Ahead on Your Holiday Shopping with December’s Best Buys

It’s crunch time for holiday shopping! Hopefully you scored some great deals over Black Friday and Cyber Monday—but if not, don’t despair. Even though those big shopping days are in the rearview mirror, December can be a great time to shop, particularly for tools, games, electronics, and cozy clothes for the cold weather. Tools and... Read More

14 Hacks for Shopping on Amazon

14 Hacks for Shopping on Amazon

14 Hacks for Shopping on Amazon

Odds are good that you’re already giving Amazon a lot of money. You’re not alone—the appeal of shopping for everything from cat food to cameras without leaving your couch is too strong. You don’t have to stop shopping on Amazon anytime soon, but there are plenty of things you can do to make your money... Read More

How the Recession Has Changed American Spending

How the Recession Has Changed American Spending

How the Recession Has Changed American Spending

If you feel like there’s nothing left at the end of the month, you aren’t alone. A recent Pew study found that 46% of Americans spend more than they make every month. Nearly half! So where’s all the extra money going? Are We Overspending on Luxuries? You’ve probably heard that many Americans get themselves into... 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