A Bad Union—Closed Accounts and Your Credit Report

Credit Score

A Bad Union—Closed Accounts and Your Credit Report

A Bad Union—Closed Accounts and Your Credit Report

Credit’s a tricky thing. Some things obviously hurt your credit, like a late payment or no payment or maxing out your credit cards. But the effect of some things on your credit isn’t obvious at all and are almost counterintuitive. Those things seem like they should help your credit but can actually hurt. One of... Read More

Life Events That Can Affect Credit: Going to College

Credit Score

Life Events That Can Affect Credit: Going to College

Life Events That Can Affect Credit: Going to College

For many first-time college students, pursing a higher education is a journey that comes with newfound responsibilities. Managing money while simultaneously balancing school, work and social obligations proves difficult for many. When embarking on educational pursuits, don’t forget to keep credit scores at the forefront of financial commitments. There are many ways to go into debt as a student.... Read More

8 Reasons to Save Money in 2019

Personal Finance

8 Reasons to Save Money in 2019

8 Reasons to Save Money in 2019

There are numerous reasons to save money in the coming year. Whether you’ve recently graduated college or have been in the workforce for years, it’s never a bad time to take a good, hard look at your finances. You never know what 2019 may bring, but you want to be ready for anything. Here are... Read More

4 Things to Consider When Choosing a Debt Relief Service

Managing Debt

4 Things to Consider When Choosing a Debt Relief Service

4 Things to Consider When Choosing a Debt Relief Service

Do you have crippling debt? Are you thinking about declaring bankruptcy? Bankruptcy stays on your credit report for 7 to 10 years and has a detrimental effect on your credit score for even longer. Individuals can file for bankruptcy in two ways—Chapter 7 or Chapter 13. Each method has different qualifications and ramifications. And once someone... Read More

What Are the Consequences of Going Over Your Credit Limit?

Credit Cards

What Are the Consequences of Going Over Your Credit Limit?

What Are the Consequences of Going Over Your Credit Limit?

Credit cards certainly have their limits, but it is often possible to go over them. And is going over your credit limit bad? When you go over the limit on your credit card two key things can happen—you pay an over-limit fee and you hurt your credit score. Due to restrictions in the Credit Card... Read More

How to Make More Money

Personal Finance

How to Make More Money

How to Make More Money

Late payments, rejected loan applications and dried-out bank accounts can be depressing. There are always ways to spend money, but how do you make more money when you need it? Can you earn extra money on the side? If you’re worried about money, try these easy money-making methods on the side. You don’t have to... Read More

How Can I Deal with Financial Troubles?

Personal Finance

How Can I Deal with Financial Troubles?

How Can I Deal with Financial Troubles?

No one wants to deal with financial troubles. Unfortunately, even when you’re going out of your way to avoid them, you may find yourself with overdue payments, overdrafts and a plummeting credit score. It’s easy to feel overwhelmed. Your situation might feel hopeless at times, but you have several different options when financial problemshaunt you.... Read More

Finding the Best Payment Apps

Personal Finance

Finding the Best Payment Apps

Finding the Best Payment Apps

Mobile payments are steadily increasing as consumers find a wider range of reliable apps to use for payments. Payment apps prioritize convenience while making it easy to track your spending habits. You can use your credit card number to set up an account, allowing you to pay digitally. Payment apps provide safe and secure ways to... 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.

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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.

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- The Credit.com Editorial Team