The Right Way to Pay Your Credit Card

Credit Cards

The Right Way to Pay Your Credit Card

The Right Way to Pay Your Credit Card

Article updated by Brian Acton June 20, 2018 Unlike most monthly bills, credit card payments give you the ability to decide your payment amount, letting you pay multiple ways. The right way to pay your credit card depends on your budget and financial goals, and you might even switch up strategies month-to-month. But before you... Read More

The Secret to Improving Your Credit Score in 6 Months

Credit Score

The Secret to Improving Your Credit Score in 6 Months

The Secret to Improving Your Credit Score in 6 Months

Article Updated June 12, 2018 by Mia Taylor Many financial experts like to say there’s no guarantee you can significantly change a credit score in a mere six months. However, those same experts have an entire arsenal of actionable tips designed to help you make significant progress (which we’ve shared below) if your mission is... Read More

Late Credit Card Payments Come with Consequences

Credit 101

Late Credit Card Payments Come with Consequences

Late Credit Card Payments Come with Consequences

Late credit card payments have both short-term and long-lasting consequences. You should avoid missing your payment due date, as it could result in financial penalties and damage to your credit for years to come. Here are four potential consequences of a late credit card payment. Late Fees Most credit card companies will slap you with... Read More

When Can I Get a Bankruptcy Off My Credit Report?

Credit Score

When Can I Get a Bankruptcy Off My Credit Report?

When Can I Get a Bankruptcy Off My Credit Report?

Article updated by Mia Taylor May 21, 2018 Filing for bankruptcy in order to deal with overwhelming debts can be a frightening and confusing prospect. But if you’re among those who have opted to use this approach in order to turn a troublesome financial picture around, you’re probably wondering what the next step should be.... Read More

Self Lender: An Easy Way to Build Credit

Credit 101

Self Lender: An Easy Way to Build Credit

Self Lender: An Easy Way to Build Credit

Traditionally, we’re told that it’s important to build credit, and that in order to do so, we need to get a credit card. But with no credit history, or with a poor credit history it’s usually difficult to get one. And if we can’t qualify for a regular unsecured card, then the only other options... Read More

How to Repair Your Credit When You’re Still in College

Credit 101

How to Repair Your Credit When You’re Still in College

How to Repair Your Credit When You’re Still in College

If you’re in college, you’re probably already worrying about getting good grades, covering your living expenses, and repaying student loans when you graduate. So, worrying about your credit score might not be your biggest concern. But it should be. The majority of those under 30 (67%) have a credit score under 680, and 38% have... Read More

15 Things Credit Experts Want You to Know

Credit 101

15 Things Credit Experts Want You to Know

15 Things Credit Experts Want You to Know

If you’ve ever argued with your credit card company about anything (and a lot of us have), then you probably know there are a great deal of fine print and hoops to jump through when it comes to credit cards. It doesn’t matter if you’re a seasoned, habitual swiper, or you’re brand new to the... Read More

Identity Theft Soars in 2017

Identity Theft

Identity Theft Soars in 2017

Identity Theft Soars in 2017

We’ve heard about the identity theft epidemic for so long that many have become numb to the news, and the large numbers — 50 million stolen credit cards here, 150 million stolen Social Security numbers there. But this is no time for complacency. There were two bits of very bad news for consumers in the... Read More

6 Signs You Need to Check Your Credit Report ASAP

Identity Theft

6 Signs You Need to Check Your Credit Report ASAP

6 Signs You Need to Check Your Credit Report ASAP

It pays to be familiar with your credit report. The information it contains determines your credit score, your ability to access credit and loans, and even your chances of landing a job or signing a lease. It’s a good idea to check your credit report on at least an annual basis. But in certain scenarios,... Read More

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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.

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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.

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