10 Things That Don’t Affect Your Credit Scores

Credit Score

10 Things That Don’t Affect Your Credit Scores

10 Things That Don’t Affect Your Credit Scores

You may know that things like bankruptcies and maxing out your credit cards can have an effect on your credit scores. And you also probably know your credit benefits when you pay your credit card statements on time and limit the number of inquiries made on your credit. You may have even heard that those student... Read More

4 Unexpected Items That Can End Up on Your Credit Reports

Credit Score

4 Unexpected Items That Can End Up on Your Credit Reports

4 Unexpected Items That Can End Up on Your Credit Reports

You may already know the common items that appear on your credit reports, like personal identifying details as well as the debts you hold, payments you’ve made and hard inquiries generated whenever you fill out an application for credit with a lender. But knowing all that, you could still find surprises on your credit report. Even if... Read More

Help! I Can’t Pay My Credit Card This Month

Credit Cards

Help! I Can’t Pay My Credit Card This Month

Help! I Can’t Pay My Credit Card This Month

When you’re not sure if you can pay your credit card bill each month, it can be excruciating just to look at your statement. When this happens, your total outstanding balance will jump out at you, and even the amount of your minimum payment can cause your pulse to race. If you are having trouble... Read More

Can I Use One Loan to Pay Off Another?

Managing Debt

Can I Use One Loan to Pay Off Another?

Can I Use One Loan to Pay Off Another?

Many of us have been there. Just when debt payments seem to storm down on you in an insurmountable way, you receive an offer for a lower interest loan or credit card. Sometimes the offer comes with 0% interest for a certain period of time. Sometimes, the line of credit extended is enormous. At least... Read More

Who Is Responsible for My Debt When I Die?

Managing Debt

Who Is Responsible for My Debt When I Die?

Who Is Responsible for My Debt When I Die?

Debt is persistent. In many cases, not even death can erase it, and you can rest assured your creditors will attempt to collect what you owe when you pass away. You may be worried that, upon your death, your outstanding debt could negatively affect your loved ones. The parties responsible for your debt depend on... Read More

What To Do if You Find a Collection Account on Your Credit Report

Credit Score

What To Do if You Find a Collection Account on Your Credit Report

What To Do if You Find a Collection Account on Your Credit Report

A collection account is bad news for your credit score, and the damage can last for years. During that time, you may miss opportunities to save on interest rates and insurance premiums, see an increase in offered interest rates if you want to finance a home or car, and generally stall your finances. But how do you... Read More

Insured Woman Gets $18K Bill for Using an In-Network Doctor

Managing Debt

Insured Woman Gets $18K Bill for Using an In-Network Doctor

Insured Woman Gets $18K Bill for Using an In-Network Doctor

“I’ve always paid my bills. I had excellent credit.” That’s Nancy Gomez speaking with CBS Los Angeles about her ordeal. She’s a Californian with PPO insurance — and thousands of dollars in medical debt. Though Gomez is fully insured, she says she received an $18,000 bill for a treatment with an Encino pain specialist in her network,... 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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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.

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- The Credit.com Editorial Team