A Beginner’s Guide to Using Credit Cards

Credit Cards

A Beginner’s Guide to Using Credit Cards

A Beginner’s Guide to Using Credit Cards

Credit cards can be useful financial tools, especially when you need to borrow money or make large expensive purchases. They also can put you in debt if you don’t manage them properly. Here is a quick guide to understanding credit cards. 1. Why It’s Important to Own a Credit Card Credit cards can help you... Read More

7 Things You Need to Know Before You Get a Charge Card

Credit Cards

7 Things You Need to Know Before You Get a Charge Card

7 Things You Need to Know Before You Get a Charge Card

“Paper or plastic?” “Cash or credit?” “Credit or charge?” When it comes to how you spend your money, the first two questions may seem like no-brainers. Debit cards and cash can be great budgeting tools for those dealing with debt woes, while credit may appeal to disciplined spenders looking to build credit or earn rewards on their purchases. The last... Read More

How to Build Credit Without Going Into Debt

Credit 101

How to Build Credit Without Going Into Debt

How to Build Credit Without Going Into Debt

Unless you were born in some remote location and lived off the grid your entire life, it’s not news to you that good credit is needed to function in today’s society. Your credit history is what indicates your trustworthiness to lenders, stores, and even employers and landlords. Bad credit or no credit is a major... Read More

The Tricks to Getting Approved for Your First Credit Card

Credit Cards

The Tricks to Getting Approved for Your First Credit Card

The Tricks to Getting Approved for Your First Credit Card

There’s a lot to consider when applying for a credit card, especially if you’ve never had one. “New cardholders should focus on building a good credit history with their first card while avoiding taking on more credit than they can afford to repay,” Bruce McClary, the vice president of communications for the National Foundation for Credit Counseling,... Read More

How to Use Your Wanderlust to Build Credit

Credit 101

How to Use Your Wanderlust to Build Credit

How to Use Your Wanderlust to Build Credit

Love to travel? Good news: There are ways to put that wanderlust to use with a travel rewards credit card. Though travel rewards cards aren’t the easiest to get approved for as they require an excellent or good credit score, those who are able to snag one can use it to build better credit. (Just remember, before you apply it’s... Read More

How to Use Your Shopping Addiction to Build Credit

Credit 101

How to Use Your Shopping Addiction to Build Credit

How to Use Your Shopping Addiction to Build Credit

If you love to shop, you can use your fashion sense to build or even rebuild your credit. Store-branded credit cards are some of the easiest cards to qualify for and are often extended to those who have bad credit because they have lower criteria than traditional credit cards. Using them, especially if you’re loyal to a particular store, can bring... Read More

5 Ways New Grads Can Screw Up Their Credit

Credit Score

5 Ways New Grads Can Screw Up Their Credit

5 Ways New Grads Can Screw Up Their Credit

Graduation can be an exciting and exhilarating time, but if you thought the era of grades and scores was over, I have some bad news: It’s not. While the As and Bs are behind you, they’ve been replaced with another number … a tricky little three-digit number called your credit score. Your credit score is... 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