3 Ways Health Insurance Protects Your Personal Finances

Personal Finance

3 Ways Health Insurance Protects Your Personal Finances

3 Ways Health Insurance Protects Your Personal Finances

Medical care is expensive. And affordable health insurance can be difficult to find. But finding fund for the monthly premium in your budget can protect your finances in the long run. Alternative solutions like urgent care and prescription discount finder tools have popped up to help people find more affordable prices. But these cheaper services... Read More

What You Need to Know About the New Apple Credit Card

Credit Cards

What You Need to Know About the New Apple Credit Card

What You Need to Know About the New Apple Credit Card

The Apple credit card launches this summer, and it pairs the high-tech, app-based culture of the brand with some favorite credit card user perks. Before you join the flock likely to flood Apple with credit card applications, do your homework to make sure this card will meet your needs. Check out the details about the... Read More

How Does Google Wallet Work and Is It Safe?

Personal Finance

How Does Google Wallet Work and Is It Safe?

How Does Google Wallet Work and Is It Safe?

Mobile payments—rather than a credit card, or check—are becoming more and more popular and more and more common. In fact, globally, mobile payments are expected to be almost $50 billion by 2021. Being able to use your smartphone or smartwatch to make payments makes a lot of sense. We carry them almost everywhere and adding more credit... Read More

Avoiding Medical Debt After a Cancer Diagnosis

Managing Debt

Avoiding Medical Debt After a Cancer Diagnosis

Avoiding Medical Debt After a Cancer Diagnosis

Many Americans struggle with medical expenses. One in five Americans who have health insurance struggle to pay off their medical debt. For cancer patients with insurance, out-of-pocket costs can reach $12,000 just for one medication and average treatment costs can hit $150,000.1,2 And tragically, cancer patients are two-and-a-half times more likely to declare bankruptcy than people without cancer.2 For... Read More

What Is a Prime vs. Subprime Credit Score?

Credit Score

What Is a Prime vs. Subprime Credit Score?

What Is a Prime vs. Subprime Credit Score?

When it comes to credit, approval is all in the number—the three-digit number that’s your credit score. Most lenders and credit card issuers use this number to determine your risk level as a borrower. In general, credit scores are categorized as bad, poor, fair, good, good or excellent. However, another important designation impacts whether you’ll... Read More

CFPB Proposes Changes to Payday Loan Regulations

Personal Finance

CFPB Proposes Changes to Payday Loan Regulations

CFPB Proposes Changes to Payday Loan Regulations

The Consumer Financial Protection Bureau, or CFPB was created to ensure consumers receive fair treatment from financial companies, such as banks, credit card issuers and lenders. It implements and enforces federal consumer finance laws. But one law it hasn’t yet enacted is an Obama-era payday loan regulation aimed to protect consumers from debt accrued with... Read More

How Do I Maintain and Improve My Credit Score?

Credit Score

How Do I Maintain and Improve My Credit Score?

How Do I Maintain and Improve My Credit Score?

It can take years to get out of debt, especially with personal debt of hovering around $38,000 for the average America, if you don’t count mortgages, reports CNBC.1 Repairing your credit can involve paying back creditors, declaring bankruptcy or just getting control of bad financial habits. It takes time to get to improve your credit score and get the... Read More

Does Opening a CD Affect My Credit Rating?

Credit Score

Does Opening a CD Affect My Credit Rating?

Does Opening a CD Affect My Credit Rating?

You take your money and your credit rating seriously. You probably know a thing or two about credit and how it works too. You may think that the savings of your finances—like your savings account, your certificate of deposit (CD) and your other assets—doesn’t affect your credit. For the most part, you’re right. But, does opening a... Read More

Strengthen Your Finances with a Low APR

Credit Cards

Strengthen Your Finances with a Low APR

Strengthen Your Finances with a Low APR

Any savvy consumer knows that credit cards play an important role in today’s financial world. They offer convenience and a powerful tool to use in many situations. But just like any great product, credit cards can be misused. The smart credit cardholder understands how to get the best terms and when it is best to use a credit card.... 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