What You Didn’t Know About Credit.com

Personal Finance

What You Didn’t Know About Credit.com

What You Didn’t Know About Credit.com

We’re sure you know this by now, but Credit.com is known for providing users with two of their free credit scores, updated every 14 days. This also includes your Credit Report Card, which is a summary of your credit report. Aside from that, Credit.com offers so much more such as credit cards, different types of... Read More

4 Credit Cards to Help You with Your Small Business

Credit Card Reviews

4 Credit Cards to Help You with Your Small Business

4 Credit Cards to Help You with Your Small Business

[DISCLOSURE: Cards from our partners are mentioned below.] Are you an entrepreneur? Have you always dreamed of starting your own small business but aren’t sure what to do? Or maybe you’re already successful looking for more resources to continue help your business grow. Luckily, credit card companies are aware of your needs and there are... Read More

3 Credit Cards for Black Friday

Credit Card Reviews

3 Credit Cards for Black Friday

3 Credit Cards for Black Friday

With the holidays coming up, America is looking forward to a giant coma-inducing turkey dinner and football. Not to mention, what comes after – Black Friday. The sales that stores are having are getting consumers excited about holiday gift shopping and many are likely to put their purchases on credit cards – which can be... Read More

Credit Cards with Awesome Sign-up Bonuses

Credit Card Reviews

Credit Cards with Awesome Sign-up Bonuses

Credit Cards with Awesome Sign-up Bonuses

[DISCLOSURE: Cards from our partners are mentioned below.] It’s no secret that credit card companies try to lure potential customers with sweet sign-up bonuses. After all, that’s part of a new credit card’s appeal, right? With so many types of credit cards available though, it can be difficult to choose. It can also be tough to... Read More

10 Credit Cards for Online Shopping

Credit Card Reviews

10 Credit Cards for Online Shopping

10 Credit Cards for Online Shopping

[DISCLOSURE: Cards from our partners are mentioned below.] Article originally published October 26th, 2017. Updated November 8th, 2018. We found credit cards that pay you to do what you love—shop online. No, but really, if you’re already spending your hard-earned money on online retailers like Amazon, Target, Costco, etc., why not make sure you get a... Read More

Financial Scams That Target the Elderly and How to Prevent Them

Identity Theft

Financial Scams That Target the Elderly and How to Prevent Them

Financial Scams That Target the Elderly and How to Prevent Them

A 2015 study found that older adults lose more than $36 billion every year to financial scams. Unfortunately, con artists see the elderly population as an easy and vulnerable target. The American Securities Administrators Association’s President, Mike Rothman, explains that scammers take this approach because the current elderly population is one of the wealthiest we’ve... Read More

Does Google Have Access to Your Offline Purchases?

Credit Cards

Does Google Have Access to Your Offline Purchases?

Does Google Have Access to Your Offline Purchases?

Over the course of the last year, some Google advertisers were granted access to a new and very effective tool for tracking the conversion rates of adverts. Instead of measuring conversion in terms of clicks, conversions were measured in terms of sales at physical stores across the country. This was made possible when the tech... Read More

What Is the Average Used Car Loan Rate?

Auto Loans

What Is the Average Used Car Loan Rate?

What Is the Average Used Car Loan Rate?

Article originally published July 13th, 2016. Updated October 30th, 2018. More people are opting to lease their new set of wheels instead of purchasing them, according to Q2 2018 data from Experian. The number of auto loans grew to an all-time high, with leasing surpassed 30% of all new consumer vehicle sales. But the interest rates consumers are... Read More

How Often Does Your Credit Report Change?

Credit Reports

How Often Does Your Credit Report Change?

How Often Does Your Credit Report Change?

Article originally published August 29th, 2012. Updated October 29th, 2018.  The emails usually come in the form of a slightly panicked plea, often from individuals who have just used Credit.com’s Free Credit Report Card for the first time. They’ve seen something that they either didn’t expect or think is wrong, or they think their credit scores should... 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.



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