Pros and Cons of Paying Taxes with a Credit Card

Taxes

Pros and Cons of Paying Taxes with a Credit Card

Pros and Cons of Paying Taxes with a Credit Card

Depending on who you talk to, paying taxes with a credit card can either be a brilliant way to earn a plethora of benefits or a financial move that should only be a last resort. To be clear, the Internal Revenue Service does not directly accept credit card payments. But it does accept such payments... Read More

10 Ways to Get a Loan With Bad Credit

Credit 101

10 Ways to Get a Loan With Bad Credit

10 Ways to Get a Loan With Bad Credit

If you’re among the nearly one-third of Americans dealing with bad credit, then you may have simply accepted that you aren’t going to be able to qualify for various types of loans. But while it is increasingly difficult to qualify for loans the lower your credit score dips, it’s not altogether impossible. Even for those... Read More

A Credit Card That Wants to Teach You How to Use It

Credit Card Reviews

A Credit Card That Wants to Teach You How to Use It

A Credit Card That Wants to Teach You How to Use It

Consumers with low credit scores often have to deal with limited access to credit. After all, they are by definition risky customers for creditors to do business with because their history has shown they are less likely to repay their debts than borrowers with good credit. Unfortunately, that also means that when credit is available to subprime borrowers... Read More

It’s Now Easier to Get a Credit Card With Bad Credit. Should You Apply?

Credit Cards

It’s Now Easier to Get a Credit Card With Bad Credit. Should You Apply?

It’s Now Easier to Get a Credit Card With Bad Credit. Should You Apply?

Credit card use among people with less-than-stellar credit is on the rise, according to a recent report by the New York Federal Reserve Board. While the historic rate of people with good credit scores that use credit cards has held roughly steady at 88% over the years, credit card usage among those with “subprime” scores (those... Read More

3 Ways You Can Have Bad Credit Without Realizing It

Credit Score

3 Ways You Can Have Bad Credit Without Realizing It

3 Ways You Can Have Bad Credit Without Realizing It

You pay your bills on time, keep those credit cards in check and only apply for new credit when you really need it. There’s every reason in the world you should have a stellar credit score. And yet … One of the reasons you hear “check your credit” so often is that there are ways things can... Read More

See, You Can Get a Mortgage With Bad Credit

Mortgages

See, You Can Get a Mortgage With Bad Credit

See, You Can Get a Mortgage With Bad Credit

The number of people getting mortgage loans with less-than-stellar credit has steadily grown over the last three years, right alongside those getting loans with excellent credit. That was the finding of Equifax’s most recent National Consumer Credit Trends Report, which also shows that total mortgages increased in the first quarter of 2016 by 10.3%, home... Read More

Is Bad Credit Contagious?

Credit Score

Is Bad Credit Contagious?

Is Bad Credit Contagious?

If your credit’s not so hot, it could have something to do with the people you hang around with. Not directly, of course. Credit histories don’t get merged. So, unless you’re co-signing for a loan or, say, taking out a mortgage with someone, your friends can’t exactly affect your credit score. But their attitudes toward money could be... Read More

Can I Get a Mortgage With Bad Credit?

Mortgages

Can I Get a Mortgage With Bad Credit?

Can I Get a Mortgage With Bad Credit?

Prospective homebuyers may be surprised to hear that bad credit won’t necessarily shut them out of the market completely. It is possible to get a mortgage with a subpar credit score — but your options are going to be limited and you’re most likely going to pay in fees and/or interest. What Score Do I Need?... Read More

Bad Credit Borrowers Get New Option as Payday Loan Reform Looms

Personal Loans

Bad Credit Borrowers Get New Option as Payday Loan Reform Looms

Bad Credit Borrowers Get New Option as Payday Loan Reform Looms

People with bad-to-no credit often struggle to find financing. Because they’re viewed as a risk among traditional lenders, some of these folks turn to small-dollar payday loans for emergency cash. But these loans come at a cost: In many cases, the annual percentage rate (APR) on a payday loan averages about 400% and can run as high as 5,000%. There’s been a... 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