How to Tell a Holiday Credit Card Offer Is Legit

Credit Cards

How to Tell a Holiday Credit Card Offer Is Legit

How to Tell a Holiday Credit Card Offer Is Legit

Holiday shopping is now in full swing. If you have yet to get started, well, then you better get moving. But before you do, make sure you are taking the best credit card with you to do all your shopping. It’s a safe bet that you have received at least a few credit card solicitations... Read More

6 Money Moves to Make Before 2017

Personal Finance

6 Money Moves to Make Before 2017

6 Money Moves to Make Before 2017

Did 2016 not go as planned? Did you spend too much and save less than you wanted? Perhaps your bad habits left you in debt. Or maybe you just had too many big expenses this year. No matter why your financial performance was less than stellar, there’s no reason to despair. A single year won’t... Read More

What to Do When Your Co-Worker Throws You Under the Bus

Personal Finance

What to Do When Your Co-Worker Throws You Under the Bus

What to Do When Your Co-Worker Throws You Under the Bus

You will encounter many different types of conflict in the workplace throughout your career. At any moment, you could become the victim of a co-worker waiting to stab you in the back, steal your award-winning idea, and then when you least expect it, throw you under the bus. Some employees will go to great lengths... Read More

Nordstrom Is Selling an $85 Rock

Personal Finance

Nordstrom Is Selling an $85 Rock

Nordstrom Is Selling an $85 Rock

There is such a thing as an $85 rock, and you can buy it at Nordstrom. This is not the stone of 1975 Pet Rock fame (which, for the record, you can get for less than $20 online). Back then the Pet Rock had a clear purpose: It was a joke. The Medium Leather Wrapped Stone, on... Read More

Do Some Toys Threaten Your Child’s Privacy?

Personal Finance

Do Some Toys Threaten Your Child’s Privacy?

Do Some Toys Threaten Your Child’s Privacy?

Is Santa spying on your kids? A set of consumer groups think so and are petitioning the Federal Trade Commission to step in on Tuesday. In a broader report accompanying the complaint, consumer groups are warning that a coming “Internet of Toys” could have long-term implications for child safety. “Product safety is no longer just... Read More

Does Starbucks Have a Good Credit Score?

Credit Score

Does Starbucks Have a Good Credit Score?

Does Starbucks Have a Good Credit Score?

Coffee lovers tend to pledge strong loyalties to their favorite coffee shop, often stronger than loyalties to a professional sports. Sound familiar? Well, if this is you, could your allegiance to your favorite coffee shop be swayed by knowing how it treats its suppliers and contractors? What if you knew their business credit scores, which... Read More

4 Great Credit Cards if You’re Starting a Business

Credit Cards

4 Great Credit Cards if You’re Starting a Business

4 Great Credit Cards if You’re Starting a Business

Businesses elect to use credit cards for a number of different reasons. To start, they can be an easy way to establish cash flow during the early years. By using the card, the business can build its credit, which can help when looking to receive other types of financing in the future. Small business owners... Read More

Do I Need Life Insurance?

Personal Finance

Do I Need Life Insurance?

Do I Need Life Insurance?

When people find out I work at a life insurance startup, I almost always get asked, “How do I know if I need life insurance?” Fortunately, it’s a pretty simple answer: you need to strongly consider life insurance when you have people in your life who rely on you financially. If you were to die,... Read More

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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.

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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).

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