How I Raised My Credit Score 100 Points in 3 Months

Credit Score

How I Raised My Credit Score 100 Points in 3 Months

How I Raised My Credit Score 100 Points in 3 Months

After years of zero debt and paying off her credit cards every month, Kristen valued her high credit score. But that was before the tsunami of divorce and single parenthood made it all but impossible to maintain. Kristen had been out of the paid workforce when she was an at-home military parent living in Germany. Once in... Read More

5 Credit Cards to Help You Build Credit

Credit Cards

5 Credit Cards to Help You Build Credit

5 Credit Cards to Help You Build Credit

Do you need to build your credit? Perhaps you are a young adult who has never had a credit card, or maybe you are a new arrival to the U.S. without a credit history here. Others may need to build credit after having gone decades without applying for any type of loan. Thankfully, the right credit... Read More

4 Ways Time Can Help Your Credit Score

Credit Score

4 Ways Time Can Help Your Credit Score

4 Ways Time Can Help Your Credit Score

Time is so important to us. Years ago, people told the time from the seasons and the tides and the sun. Today, we rely on calendars and clocks to keep us on track, and we pay attention to our time right down to the second (and in sports, we even pay attention to time right... Read More

Help! My Credit is Dismal. What Can I Do?

Credit Score

Help! My Credit is Dismal. What Can I Do?

Help! My Credit is Dismal. What Can I Do?

A lot of credit advice is written to help people whose credit is somewhere between the “good” and “not-so-good” range. But what about if your credit has been completely damaged? It’s easy for it to happen, especially after a divorce, bankruptcy, job loss or some other stressful event. At rock bottom, things can feel bleak.... Read More

6 Ways to Make Your Credit Score Less Scary

Credit Score

6 Ways to Make Your Credit Score Less Scary

6 Ways to Make Your Credit Score Less Scary

Halloween is approaching. For kids, it’s a time to dress up and run across people’s lawns to get candy. For adults, it’s a time to buy cheap candy, it eat it all, and then buy some more before Oct. 31. Inspired by this spooky time of year, here are six great tips to boost your... Read More

Fingerhut: Is This Credit Building Program a Good Deal?

Credit Score

Fingerhut: Is This Credit Building Program a Good Deal?

Fingerhut: Is This Credit Building Program a Good Deal?

Are you trying to rebuild your credit? Fingerhut, an online retailer, says it wants to help with its FreshStart program, a new twist on the old “catalog card” offers that have come and gone over the years. Designed for customers who have been turned down for Fingerhut’s credit card, it gives customers a second shot... Read More

3 Mental Tricks to Overcome Credit Stress

Credit Score

3 Mental Tricks to Overcome Credit Stress

3 Mental Tricks to Overcome Credit Stress

It was the moment of truth: Sam sat across from the loan officer at the local bank. The loan officer had just input all of Sam’s answers to a loan application and now she was doing one of the final steps in the process by pulling Sam’s credit scores. As she clicked enter, Sam broke... Read More

3 Ways to Help Your Credit Score

Credit Score

3 Ways to Help Your Credit Score

3 Ways to Help Your Credit Score

Helping a shoddy credit report requires time, but there are few steps you can take to expedite the process. Here’s what to do if you’re hoping to give your credit score relatively quickly. Pay Down Credit Card Debt One of the only surefire ways to give your credit score a quick boost is to pay... Read More

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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