Are Credit Cards Vital to the Economy?

Credit Cards

Are Credit Cards Vital to the Economy?

Are Credit Cards Vital to the Economy?

Consumers have largely tried to cut their dependence on credit cards since the recession began. However, the vast majority of Americans believe credit cards are important for the continued health of the economy and the American small business sector. Today, more than seven in 10 adults say that the economy is at least somewhat dependent upon... Read More

Tight Credit Restricts Housing Market

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Tight Credit Restricts Housing Market

Tight Credit Restricts Housing Market

In the wake of the recent recession, many banks significantly reined in the availability of credit to protect themselves from the wave of defaults that were plaguing consumers and businesses nationwide. But since the downturn ended, credit has remained tight for companies and individuals alike, and could now be curtailing growth in the housing market. National... Read More

Housing Market Plateaus in January

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Housing Market Plateaus in January

Housing Market Plateaus in January

The national housing market has improved considerably over the past year, but those steps forward appear to have stalled a little in the first month of 2013. While improvements on a semi-annual and yearly basis were still strong, there was no improvement in home prices across the country between December and January, according to the... Read More

Modest Bump Up in Retail Sales at End of 2012

Personal Finance

Modest Bump Up in Retail Sales at End of 2012

Modest Bump Up in Retail Sales at End of 2012

That America avoided the fiscal cliff was one major piece of good news for the national economy. However, the latest government data pertaining to retail and food sales in the final month of 2012 brought another dose of optimism. According to the Commerce Department, retail and food sales hiked 0.5 percent on a seasonally adjusted... Read More

Who’s Behind the Latest Bank Giveaway?

Personal Finance

Who’s Behind the Latest Bank Giveaway?

Who’s Behind the Latest Bank Giveaway?

Last week offered a very good snapshot of the state of things in the wake of mortgage crisis. On the one hand, there was news of a woefully inadequate $8.5 billion settlement as “remedy” for irresponsible (and worse) behavior by mortgage servicers. On the other, the Consumer Financial Protection Bureau announced regulations that might help... Read More

Experts See More Home Sales, Fewer Delinquencies in 2013

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Experts See More Home Sales, Fewer Delinquencies in 2013

Experts See More Home Sales, Fewer Delinquencies in 2013

The real estate industry made big strides in the latter half of 2012 and is expected to do so again throughout the coming year, leading to a larger-scale economic gains. There will likely be numerous improvements in the housing market over the course of the year as continued high affordability and rising prices couple with... Read More

More Housing Markets Getting Stronger in January

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More Housing Markets Getting Stronger in January

More Housing Markets Getting Stronger in January

The national housing recovery seems as if it will continue this year, as many local real estate markets were shown to be improving at the start of 2013. The total number of housing markets that saw improvements in the month of January climbed to 242, including metro areas in 48 states, as well as the... Read More

The Comeback Cities of the Housing Recovery

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The Comeback Cities of the Housing Recovery

The Comeback Cities of the Housing Recovery

The nationwide housing market is now in full recovery mode after suffering greatly during and following the market meltdown, and it’s believed that 2013 will be a big year for many markets. However, some cities did better than others. Las Vegas and Seattle had the two biggest year-over-year improvements in home asking prices between 2011... Read More

Housing Market Officially in Recovery Mode

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Housing Market Officially in Recovery Mode

Housing Market Officially in Recovery Mode

There have been numerous signs of a general recovery in the housing market after the significant downturn of a few years ago, but data suggests that a full recuperation is now underway and should continue throughout the year. There should be an appreciable improvement in property values across the top 100 metro areas nationwide in... Read More

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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).

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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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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