How Do Mistakes Get Removed From Your Credit Reports?

Credit Score

How Do Mistakes Get Removed From Your Credit Reports?

How Do Mistakes Get Removed From Your Credit Reports?

You’ve found a mistake on your credit reports and you know you need to dispute it. But what happens when you do? Here are four questions we often hear from consumers about the process of getting information removed from their credit reports. 1. Do I Have to Tell the Credit Bureau to Take Old Information... Read More

What Is the Best Credit Bureau?

Credit Score

What Is the Best Credit Bureau?

What Is the Best Credit Bureau?

Which is the best credit bureau? The most accurate? The best one if you want to check your credit report? These are all questions that are on people’s minds as they try to check their credit, and perhaps improve it. The three largest national consumer reporting agencies (NCRAs) that compile and sell comprehensive credit reports... Read More

4 Credit Mistakes Many Borrowers Make

Credit Score

4 Credit Mistakes Many Borrowers Make

4 Credit Mistakes Many Borrowers Make

When you visit a lender to borrow money, do you know how they decide whether or not to lend you money? The lender types information into their computer and then an answer comes back and they relate the “good news; you’re approved!” or “bad news; you’ve been declined” to us. What many people don’t know... Read More

Is the U.S. Violating Its Own Credit Reporting Laws?

Credit Score

Is the U.S. Violating Its Own Credit Reporting Laws?

Is the U.S. Violating Its Own Credit Reporting Laws?

The U.S. Supreme Court is trying to determine whether the federal government should be held accountable for the way it may have exposed consumers to identity theft. The case in question, U.S. v. Bormes, involves the government listing several details of consumers’ credit card numbers when they paid fees through the U.S. government’s Pay.gov payment... Read More

CFPB Spells Out Credit Reporting Agency Guidelines

Credit Score

CFPB Spells Out Credit Reporting Agency Guidelines

CFPB Spells Out Credit Reporting Agency Guidelines

The federal agency tasked with protecting consumers from deceptive financial practices released new guidelines to ensure that credit reporting bureaus are adhering to government regulations. The federal Consumer Financial Protection Bureau now has issued new details for how its employees should evaluate companies that issue credit-related documents to consumers, according to its Consumer Reporting Examination... Read More

Consumer Watchdog Plans to Regulate Credit Bureaus Next

Credit Score

Consumer Watchdog Plans to Regulate Credit Bureaus Next

Consumer Watchdog Plans to Regulate Credit Bureaus Next

The Consumer Financial Protection Bureau head announced Monday plans to begin regulation of credit reporting agencies. In a field hearing in Detroit, CFPB Director Richard Cordray said the impact a credit report can have on so many aspects of consumers’ lives is why the bureau is turning its attention to the private credit reporting industry.... Read More

8 Rules of an Effective Credit Report Dispute Letter

Credit 101

8 Rules of an Effective Credit Report Dispute Letter

Discovering and resolving mistakes on credit reports can be complicated. We often hear from users of our Credit Report Card who’ve noticed a sudden drop in their credit score accompanied by an unexplained delinquency. That leads to more digging and finding an error on one or more of their three bureau credit reports. That’s where... Read More

Why Credit Report Mix-Ups Can Be So Hard to Untangle

Credit Score

Why Credit Report Mix-Ups Can Be So Hard to Untangle

Why Credit Report Mix-Ups Can Be So Hard to Untangle

You’ve no doubt heard the advice many times: “Check your credit reports at least once a year to make sure they are accurate.” It’s good, solid advice worth heeding. But what happens when your credit information gets mixed up with someone else’s – and you can’t seem to separate it? Or worse yet, if you... Read More

Sweeping New Rules Proposed for Debt Collectors, Credit Bureaus

Personal Finance

Sweeping New Rules Proposed for Debt Collectors, Credit Bureaus

Sweeping New Rules Proposed for Debt Collectors, Credit Bureaus

The Consumer Financial Protection Bureau unveiled a sweeping set of proposed rules on Thursday to regulate credit bureaus and debt collectors. Both industries have come under increased scrutiny in recent years. Credit reporting agencies play a fundamental role in consumers’ ability to obtain loans and other forms of credit, yet remain almost entirely unregulated. And... Read More

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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.

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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.

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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