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

Is There Such a Thing as a Debtor’s Prison?

Managing Debt

Is There Such a Thing as a Debtor’s Prison?

Is There Such a Thing as a Debtor’s Prison?

In this modern world that we live in, consumers are protected and have certain rights when it comes to debt collection. The practices of debt collection agencies have to abide by rules through the Fair Debt Collection Practices Act (FDCPA) as enforced by the Federal Trade Commission (FTC). According to the FTC, consumers are to... Read More

Virtual Credit Card – What You Need to Know

Credit Cards

Virtual Credit Card – What You Need to Know

Virtual Credit Card – What You Need to Know

Virtual credit cards have been around in one form or another for years now, but their use has yet to truly take off among consumers. A crop of new start-ups however, such as Pay With Privacy and Token Payments, are poised to change that. These two companies may not be household names but perhaps they... Read More

3 Ways to Boost Your Credit Score in 2018

Credit Score

3 Ways to Boost Your Credit Score in 2018

3 Ways to Boost Your Credit Score in 2018

All the holiday excitement is over and it’s time to face your post-holiday credit card bills. If you stayed within your budget, you shouldn’t have difficulty paying off your bills. However, if you went a little crazy with December cheer, now is the time to take corrective action, prioritize your finances, and boost your credit... Read More

10 Ways to Approach the Credit Talk When You’re Getting Married

Credit 101

10 Ways to Approach the Credit Talk When You’re Getting Married

10 Ways to Approach the Credit Talk When You’re Getting Married

Financial matters can be an uncomfortable or touchy subject to discuss with friends and loved ones. However, if you’re about to walk down the aisle with someone, it’s important to have an honest discussion about credit. After all, “till death do us part,” means you’re essentially inheriting each other’s credit for that long, too. Since... Read More

10 Ways Divorce can Affect your Credit

Personal Finance

10 Ways Divorce can Affect your Credit

10 Ways Divorce can Affect your Credit

As nearly half of the American population already knows, divorce is a difficult, emotional process to go through. This difficulty can be compounded depending on the number of years a couple has been together, the dollar amount of their acquired assets, and whether or not they have any children. Divorce can also have an impact... Read More

The 12 Scams of Christmas for 2017

Identity Theft

The 12 Scams of Christmas for 2017

The 12 Scams of Christmas for 2017

Scammers make a killing during the holiday season. While you spend your time thinking of ways to bring holiday joy to others, they spend their time thinking up ways to steal from you. The saddest part about this is that the ghosts of Christmases past keep visiting Christmas present. With that, I give you this... Read More

Will Debt Consolidation Help or Hurt Your Credit?

Credit 101

Will Debt Consolidation Help or Hurt Your Credit?

Will Debt Consolidation Help or Hurt Your Credit?

From student loans to a house mortgage, debt accumulation is stressful and overwhelming. As you make moves to get out of debt, you might want to consider consolidating credit cards or other loans to save you time and money. But that begs the question—does debt consolidation help or hurt your credit? The answer depends on... 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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