How Transferring a Balance Affects Your Credit Score

Credit Cards

How Transferring a Balance Affects Your Credit Score

How Transferring a Balance Affects Your Credit Score

Thinking of taking advantage of a balance transfer offer? It can be an excellent way to pay off your debt. But how will transferring a balance affect your credit score? And of what potential pitfalls should you be aware? It’s impossible to predict exactly how any one financial decision will affect your credit score. We can... Read More

Here’s How to Prepare Your Credit for a Job Search

Credit 101

Here’s How to Prepare Your Credit for a Job Search

Here’s How to Prepare Your Credit for a Job Search

Conducting a job search after graduating from college can seem like a monumental task, one filled with challenges and uncertainties. But here’s one thing recent grads shouldn’t be uncertain about when embarking on the journey to secure a job — what’s on their credit report. Just as hours and days are devoted to creating a... Read More

9 Ways to Lower Your Monthly Credit Card Payment

Credit Cards

9 Ways to Lower Your Monthly Credit Card Payment

9 Ways to Lower Your Monthly Credit Card Payment

If you have a monthly credit card payment you could do without, you aren’t alone. The average American between 18 and 65 has more than $4,000 in credit card debt, and if you carry a balance from month to month, you’re automatically making a larger credit card payment than necessary. Here are nine common-sense ways to shrink... Read More

How to Tell If You’re Finally a Financial Grown-Up

Personal Finance

How to Tell If You’re Finally a Financial Grown-Up

How to Tell If You’re Finally a Financial Grown-Up

When you were a kid, your parents took care of the hard stuff, like loans, mortgages, car payments and buying food. But there’s a point where everyone realizes they’ve grown up. Mine was the first day I lined up to buy cleaning supplies for our first apartment, and I remember thinking, “Oh, man, it’s started.”... Read More

How to Find a Starter Home in a Hot Housing Market

Mortgages

How to Find a Starter Home in a Hot Housing Market

How to Find a Starter Home in a Hot Housing Market

An overheated real estate market is never good news for buyers in search of a budget-friendly starter home. But thanks to increased confidence in the economy, leading more people to make large purchases like new homes, that’s exactly the type of real estate market 2017 is ushering in. According to a recent report from the... Read More

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Certain credit cards and other financial products mentioned in this and other sponsored content on Credit.com are Partners with Credit.com. Credit.com receives compensation if our users apply for and ultimately sign up for any financial products or cards offered.

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