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Elisa Ortiz

Content Specialist |  In Credit Cards

Elisa has been with Credit.com since 2014 where she started out as a paralegal. Since then, she has developed a passion for understanding credit and personal finance.

10 Health Insurance Terms that Affect Your Finances

Personal Finance

10 Health Insurance Terms that Affect Your Finances

10 Health Insurance Terms that Affect Your Finances

Enrollment season for health insurance is underway. And millions of Americans are attempting to make important decisions about healthcare plans. But for most people, choosing the best plan that covers all of their needs is a chore. Not only are there choices to be made, but there are also a host of terms or understand.... Read More

What Should I Use My Credit Card Rewards for?

Credit Cards

What Should I Use My Credit Card Rewards for?

What Should I Use My Credit Card Rewards for?

There are hundreds of credit card that offer rewards, enticing consumers to sign up for them. You may have racked up tons of credit card rewards and you may be wondering what to do with them. In fact, there are advantages and disadvantages to redeeming your credit card reward points for different things. This article... 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

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

5 Things Impacting Millennials’ Savings

Personal Finance

5 Things Impacting Millennials’ Savings

5 Things Impacting Millennials’ Savings

Americans are not very good at saving money. CNBC shows that over 57% of Americans have less than $1,000 in their savings accounts. What’s even worse, only 46% of Millennials have any savings at all. The story isn’t as dire as it seems. There are many Millennials who are financially savvy. A survey released by... Read More

What You Didn’t Know About Credit.com

Personal Finance

What You Didn’t Know About Credit.com

What You Didn’t Know About Credit.com

We’re sure you know this by now, but Credit.com is known for providing users with two of their free credit scores, updated every 14 days. This also includes your Credit Report Card, which is a summary of your credit report. Aside from that, Credit.com offers so much more such as credit cards, different types of... Read More

4 Credit Cards to Help You with Your Small Business

Credit Card Reviews

4 Credit Cards to Help You with Your Small Business

4 Credit Cards to Help You with Your Small Business

[DISCLOSURE: Cards from our partners are mentioned below.] Are you an entrepreneur? Have you always dreamed of starting your own small business but aren’t sure what to do? Or maybe you’re already successful looking for more resources to continue help your business grow. Luckily, credit card companies are aware of your needs and there are... 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