5 Housing Options for Graduate Students

Personal Finance

5 Housing Options for Graduate Students

5 Housing Options for Graduate Students

The college years are so exciting! And if you choose to go back for graduate school, one of the most important decisions you have to make is where you’re going to live. Today, there are multiple housing options available to students on and off-campus. This article outlines the possible housing options available for grad students... Read More

Why the End of the Year is the Best Time to Buy a Car

Auto Loans

Why the End of the Year is the Best Time to Buy a Car

Why the End of the Year is the Best Time to Buy a Car

Buying a new car is very exciting!  You may even already have your dream car picked out, down to the color and the interior. But have you considered the price of your car? Budget is very important because you want something that’s affordable. Did you know that car prices constantly change? In fact, the best... Read More

14 Reasons Why You Should Sign Up for Credit Repair Today

Credit 101

14 Reasons Why You Should Sign Up for Credit Repair Today

14 Reasons Why You Should Sign Up for Credit Repair Today

[Disclosure: Lexington Law Firm advertises on Credit.com and Credit.com may receive compensation if you sign up for credit repair services with Lexington Law Firm.] Having a great credit score is one of the most important things for Americans. For both individuals and small businesses, a bad credit score can have so many negative repercussions. If... Read More

Banks Now Offering Low-Risk Automated Investing

Personal Finance

Banks Now Offering Low-Risk Automated Investing

Banks Now Offering Low-Risk Automated Investing

By the end of 2017, the U.S. banking system had $17.4 trillion in assets and a net income of $164.8 billion. As technology advances, banks are looking for innovative ways to keep up and stay relevant. Over the years, banks have been changing their product offerings. They are releasing new products that enable them to... Read More

5 Great Travel Credit Cards for the 2018 Holidays

Credit Card Reviews

5 Great Travel Credit Cards for the 2018 Holidays

5 Great Travel Credit Cards for the 2018 Holidays

[DISCLOSURE: Cards from our partners are mentioned below.] The 2018 holiday season is quickly approaching. The holidays are a great time for spending time with loved ones. If you’re traveling during the holidays, then a travel credit card may be helpful. These credit cards usually offer airline miles that can add up to free trips... Read More

The Marriott Credit Breach and What You Need to Know

Credit Cards

The Marriott Credit Breach and What You Need to Know

The Marriott Credit Breach and What You Need to Know

Marriot reported a credit breach that involved unauthorized access to the database used for reservations at its Starwood properties on November 30, 2018. Marriott reported that the data breach may have compromised the personal information of up to 500 million people. It also reported that the database has been hacked since 2014. Starwood properties include... Read More

What Types of Homes are Millennials Buying?

Mortgages

What Types of Homes are Millennials Buying?

What Types of Homes are Millennials Buying?

In 2018, Millennials surpassed Baby Boomers as the largest living generation in America. And as with every new generation, Millennials bring with them change. As a result, researchers are trying to understand what’s changed and how best they can market to them. The real estate industry is no different. A consumer insights report shows that... Read More

Just How Long do Judgments Stay on Your Credit Report?

Managing Debt

Just How Long do Judgments Stay on Your Credit Report?

Just How Long do Judgments Stay on Your Credit Report?

A creditor securing a judgment against you is a scary idea — which is probably why we get so many reader questions about it. A judgment results in a legal obligation to pay a debt. A judgments results when a creditor or collector sues you over an outstanding debt and wins. But, that win isn’t necessarily written... Read More

The Experian Credit Score vs. FICO Score: Differences to Know

Credit Score

The Experian Credit Score vs. FICO Score: Differences to Know

The Experian Credit Score vs. FICO Score: Differences to Know

When you think credit score, you probably think FICO. The Fair Isaac Corporation introduced its FICO scoring system in 1989. Since then, “what is my FICO score?” is a common question. The FICO Score also has also made its way into all kinds of lending decisions, most notably decisions about mortgages, credit cards, and rentals. More... Read More

Show Me More

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