Postal workers are victims of dog attacks most often in these cities... Read More
Postal workers are victims of dog attacks most often in these cities... Read More
If you’ve been hit by Hurricane Matthew, you’re probably taking inventory of the damages. If you’re not in a high-risk area, your homeowner’s policy will most likely cover most of the damage caused by the hurricane’s relentless gusts. Most policies cover damage from rain, wind, hail, lightning and other storm-related elements. Even damages caused by... Read More
For homeowners in the path of Hurricane Matthew who are uninsured or underinsured, it’s probably too late to get or add coverage. That’s because insurance companies generally stop writing coverage as soon as an area is under a hurricane warning. In most cases, however, if you have homeowner’s insurance, you have coverage for wind, unless... Read More
If you own a home, you most likely have homeowners insurance (it’s typically required to secure a mortgage). You know your insurance policy covers your home and the possessions inside it in the event of a fire or theft, but you may not realize there are many things which are not covered by your homeowners... Read More
If you’re planning to buy a home in the near future, real estate taxes and homeowners insurance are necessary carrying costs you incur as a homeowner. There are two sides to the coin when electing to have these expenses rolled into your mortgage payment. Here’s what you need to know about mortgage escrow accounts. How Escrow... Read More
Deciding where to live can be hard. You are probably thinking about proximity to work, to family, friends or significant others, as well as food options, climate, travel accessibility, crime rate, education, culture and of course — affordability. We all know that living within our means is important to maintaining good financial health, but figuring how... Read More
Although you may dread doling out large sums of cash for your homeowners policy year after year, you can’t afford to go without it. That would be crazy. However, you don’t have to break the bank to carry suitable coverage. It’s nearly 2015, so it’s time for a year-end review of how much you’re paying... Read More
Folks in the Northeast and Midwest are accustomed to serious cold, but the 2014 polar vortex threw even them a curve ball. The vortex dropped temperatures to minus 30 degrees Fahrenheit in parts of Minnesota and sent a deep chill into the South, where residents are unaccustomed to prolonged cold. Once the worst cold was over,... Read More
There has been a significant increase in a number of different types of fraud in the last several years, and experts in the insurance industry say that they have not been immune to the trend. The number of questionable insurance claims made over the course of 2012 was up 26.7 percent from the total observed... 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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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.
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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.
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.
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- The Credit.com Editorial Team