Don’t Be Afraid of Your Credit Score. Check Yours Today for Free

Credit Score

Don’t Be Afraid of Your Credit Score. Check Yours Today for Free

Don’t Be Afraid of Your Credit Score. Check Yours Today for Free

With Halloween just around the corner, most Americans are looking forward to all sorts of spooky excitement. Jack-o-lanterns, costumes, candy, and parties. But one thing that might scare some people this Halloween is checking their credit score. According to the Annual Credit Score Survey produced by the Consumer Federation of America and VantageScore Solutions, 57... Read More

Student Loan Scams to Watch Out For

Student Loans

Student Loan Scams to Watch Out For

Student Loan Scams to Watch Out For

As things stand now, there are more than 44 million people who collectively owe a whopping $1.5 trillion in student loan debt in the U.S Clearly, this is an issue that needs to be addressed. The problem is that there just aren’t enough jobs for these graduates to try and offset their student loan debts... Read More

7 Effective Ways to Lower Your Student Loan Payments, Build Credit, and Other Financial Tips for Students

Student Loans

7 Effective Ways to Lower Your Student Loan Payments, Build Credit, and Other Financial Tips for Students

7 Effective Ways to Lower Your Student Loan Payments, Build Credit, and Other Financial Tips for Students

Maybe you’ve recently graduated and you’re feeling trapped by your student loan payments. Maybe you’re unemployed or going back to school or trying to plan your financial future with your spouse. Whatever the reason — job loss, pay cut, unexpected expense, or not enough savings — paying off student loans can feel like trying to... Read More

Student Loans and Applying for Financial Aid

Student Loans

Student Loans and Applying for Financial Aid

Student Loans and Applying for Financial Aid

The year is 2018, and there are 44 million Americans currently in debt valued at over $1.5 trillion. Today, student loan debt is the second largest consumer loan debt category, coming behind mortgage debt and above credit cards and auto loans. To provide a bit of perspective, this means that the average loan debt of... Read More

6 Best Credit Cards for Millennials

Credit Card Reviews

6 Best Credit Cards for Millennials

6 Best Credit Cards for Millennials

DISCLOSURE: Cards from our partners are mentioned below. It’s no secret that Millennials have the most buying power of any generation right now. It’s also no secret that Millennials are also credit card shy, whether it’s from the after-effects of the Great Recession, or the reluctance to take on more debt with the rising costs... Read More

8 Ways Home Automation Can Save You Money

Personal Finance

8 Ways Home Automation Can Save You Money

8 Ways Home Automation Can Save You Money

Experts estimate 477 million smart home devices will be in use globally in 2020, and the home automation market is projected to hit $79 billion by 2020. As home automation becomes increasingly popular, you’re probably wondering if the investment is worth it. Depending on the type of home automation, it can cost a pretty penny.... Read More

Is a Fixer-Upper Home Worth the Investment?

Personal Finance

Is a Fixer-Upper Home Worth the Investment?

Is a Fixer-Upper Home Worth the Investment?

Buying fixer-upper homes is currently a popular investment in the housing market, especially since lower-priced houses increase housing confidence in home buyers. On the one hand, it is a great way to purchase a home below market value and sell it for more than you paid. On the other hand, it often seems to be... Read More

Wells Fargo Calculation Error Caused 400 Home Foreclosures

News

Wells Fargo Calculation Error Caused 400 Home Foreclosures

Wells Fargo Calculation Error Caused 400 Home Foreclosures

A glitch in Wells Fargo’s proprietary mortgage underwriting software led to hundreds of home foreclosures. An SEC filing disclosed in August revealed that a Wells Fargo “calculation error” unfairly barred 625 homeowners from mortgage modification. “We determined that an automated calculation error may have affected the decision on whether or not to offer or approve... 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