5 Steps to Achieving the Money Mindset to Get Out of Debt

Personal Finance

5 Steps to Achieving the Money Mindset to Get Out of Debt

5 Steps to Achieving the Money Mindset to Get Out of Debt

When we started dating 13 years ago, we quickly became consumed by ourselves, as new couples often do. The only thing more important to us was our social life. Denver’s queer scene at the time was bumping. In addition to regular happy hours and expensive dinners, there was a different bar or club to go... Read More

5 Reasons You’ll Never Get Out of Debt

Managing Debt

5 Reasons You’ll Never Get Out of Debt

5 Reasons You’ll Never Get Out of Debt

OK, readers: I’d like to have a heart-to-heart here. Christmas is fast approaching, and that means money is going to start flying out of your pocket at breakneck speed. It doesn’t matter how much we talk about the spirit of the season being what really counts. The reality is the holidays mean paying for presents,... Read More

How I Paid Off $100K of Debt With a Side Job

Managing Debt

How I Paid Off $100K of Debt With a Side Job

How I Paid Off $100K of Debt With a Side Job

Nick Gabel had run a convenience store for about four years when the building he rented was sold. He wasn’t able to work out a deal to stay where he was, and he found himself both $100,000 in debt and without a job in early 1996. He said he didn’t want to file bankruptcy because... Read More

What’s the Right Debt Payoff Plan for You?

Managing Debt

What’s the Right Debt Payoff Plan for You?

What’s the Right Debt Payoff Plan for You?

Behind on student loan payments? Caught up in credit card debt? Being hounded about personal loans? It can be difficult to decide where to start and how to make the biggest dent in your financial obligations, but you probably know you should. Not everyone is in the same financial situation, not everyone even has the... Read More

How Etsy Helped Me Pay Off $20K of Debt

Managing Debt

How Etsy Helped Me Pay Off $20K of Debt

How Etsy Helped Me Pay Off $20K of Debt

Their marriage had a less-than-ideal start. She had $20,000 in debt. He was about to lose his home, and the bank wouldn’t negotiate. He also had a student loan, a car loan and some credit card debt. When she moved to Cleveland to be with him, she’d be unemployed. He’d have to work overtime as... Read More

4 Ways That Getting Out of Debt Can Go Terribly Wrong

Managing Debt

4 Ways That Getting Out of Debt Can Go Terribly Wrong

4 Ways That Getting Out of Debt Can Go Terribly Wrong

Debt isn’t something that can be fixed quickly. It takes time, perseverance, commitment to self-improvement and sometimes, a lot of trial and error. Unfortunately, many people fail to realize this and wind up devising some terrible plans to get themselves out of debt. So, to help you from making the same mistakes, I’ve listed four... Read More

9 Part-Time Jobs That Can Pay Big Bucks

Personal Finance

9 Part-Time Jobs That Can Pay Big Bucks

9 Part-Time Jobs That Can Pay Big Bucks

If you’re trying to get out of debt, a part-time job can help you accelerate your debt payoff plan. Or maybe you are a parent with kids still at home or nearing retirement and you want extra income to avoid getting into debt, but you don’t want to be tied to a full-time job. Here... Read More

Show Me More

Certain credit cards and other financial products mentioned in this and other articles on Credit.com News & Advice may also be offered through Credit.com product pages, and Credit.com will be compensated if our users apply for and ultimately sign up for any of these cards or products. However, this relationship does not result in any preferential editorial treatment.

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