6 Apps That Can Save You Money

Personal Finance

6 Apps That Can Save You Money

6 Apps That Can Save You Money

Your computer and smartphone are good for more than following friends on social media and receiving emails. Let these devices work for you by utilizing apps and sites that can help you save – and even earn – some cash. These indispensable tools can help you keep track of your loyalty cards, buy discounted gift... Read More

New App Promises a Budget in 60 Seconds

Personal Finance

New App Promises a Budget in 60 Seconds

New App Promises a Budget in 60 Seconds

Despite the fact that there are myriad tools available to create a budget and get your financial house in order, most of us aren’t doing a very good job at it. But a new iPhone app, Wisely, aims to make it easier for you to budget and track your spending. There are numerous benefits to... Read More

Want More Credit Card Rewards? This Tool May Help

Credit Cards

Want More Credit Card Rewards? This Tool May Help

Want More Credit Card Rewards? This Tool May Help

Do you know how many credit cards you have? If so, do you know which promotional offer you accepted, which rewards they feature and when the offers expire? If you really want to earn the most rewards possible from your credit cards, then you need to know all of this information. Until recently, the best... Read More

Tackle Student Loan Debt With This Free App

Students

Tackle Student Loan Debt With This Free App

Tackle Student Loan Debt With This Free App

Here’s a word not normally associated with student debt: simple. But Tuition.io, a student loan debt tool, aims to offer that. The free service allows borrowers to review their loans in an easy-to-use platform that visualizes payment planning and progress. The most notable feature: the display showing how much a borrower can save by increasing... Read More

7 Best Apps for Small Businesses

Personal Finance

7 Best Apps for Small Businesses

7 Best Apps for Small Businesses

Keeping up with all of the moving parts and managing employees — all while trying to make your business profitable can be pretty demanding. Luckily, the Internet is here to help. There are mobile apps all over the market specifically designed to make life easier, but there are also a number of apps designed to... Read More

5 Must-Have Money Apps for 2013

Personal Finance

5 Must-Have Money Apps for 2013

5 Must-Have Money Apps for 2013

Despite predictions that the world would end in 2012, January is here and 2013 is off to a promising start. Not surprisingly, many New Year’s resolutions revolve around money and finances — whether it’s to save more, make more, spend less, pay off debt, or just get a better handle on our finances. If you’ve... Read More

The Best Black Friday Shopping Apps

Personal Finance

The Best Black Friday Shopping Apps

The Best Black Friday Shopping Apps

Consumers are bracing themselves and their wallets for the retail marathon known as Black Friday. According to a survey conducted by coupon site RetailMeNot, 54% of consumers plan to buy clothing and accessories that day, while 38% will snap up tech gifts for family and friends. Not surprisingly, a lot of those people will be... Read More

Snowballs Made Easy with the Debt Free iPhone App

Managing Debt

Snowballs Made Easy with the Debt Free iPhone App

Snowballs Made Easy with the Debt Free iPhone App

Over the summer, I used credit cards to pay for things I’d ordinarily have used cash to purchase: vacation expenses, back-to-school supplies, school books, clothes for my kids, and business travel expenses. It added up fast. As a result, I am now carrying balances on three different credit cards. The total amount I owe is... Read More

Manage Student Loans With Your Smart Phone? Eh.

Students

Manage Student Loans With Your Smart Phone? Eh.

Manage Student Loans With Your Smart Phone? Eh.

There are some great mobile apps and phone-friendly websites sites that help us better manage our money and credit, many of which I’ve written about for Credit.com. But I’m not convinced a new mobile service intended to help borrowers manage their student loans is really going to help stem the growing rate of student loan... Read More

Show Me More

Certain credit cards and other financial products mentioned in this and other articles on Credit.com News & Advice may also be offered through Credit.com product pages, and Credit.com will be compensated if our users apply for and ultimately sign up for any of these cards or products. However, this relationship does not result in any preferential editorial treatment.

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.

Our Owners

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.

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