Elisa Ortiz Gravatar

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.

Green Dot Spotlight- Building Your Credit

Credit Card Reviews

Green Dot Spotlight- Building Your Credit

Green Dot Spotlight- Building Your Credit

[DISCLOSURE: Cards from our partners are mentioned below.] Do you have bad credit? Or no credit? Maybe you’ve been denied for credit card after credit card. And you know that if a creditor just gave you a chance that you would prove you can make responsible financial decisions because you’d make your payments on time each... Read More

Credit Cards that Offer the Most Airline Miles

Credit Card Reviews

Credit Cards that Offer the Most Airline Miles

Credit Cards that Offer the Most Airline Miles

[DISCLOSURE: Cards from our partners are mentioned below.] You probably love traveling. If you travel frequently, then you might consider signing up for a credit card that offers airline miles or other forms of travel credit. These cards give you points for every dollar you spend, and these points can then be redeemed for flights,... Read More

Ways to Pay for Home Renovations

Mortgages

Ways to Pay for Home Renovations

Ways to Pay for Home Renovations

Home renovations are a big deal. Many people renovate to update their homes and increase property values. There are several ways you can pay for home renovations. There are secured home improvement loans or unsecured personal loans. Or you can use your savings if you have a lot of money saved up. If your renovations... Read More

Ways to Redeem Your Credit Card Reward Points

Credit Cards

Ways to Redeem Your Credit Card Reward Points

Ways to Redeem Your Credit Card Reward Points

Having a rewards credit card comes with a lot of benefits. From being able to improve your credit score to being able to access money whenever and wherever you need it, the value of credit cards is huge. But, the most appealing benefit of a rewards credit card is earning rewards every time you shop.... Read More

How to Apply for an Apartment

Personal Finance

How to Apply for an Apartment

How to Apply for an Apartment

Not many people enjoy looking for a new apartment. For most people, it’s one of those things that only gets done when it becomes an absolute necessity. But thanks to the Internet, the process of how to apply for an apartment is simpler and less stressful than it used be. To make it even easier,... Read More

7 Options for Paying Off Student Loans

Student Loans

7 Options for Paying Off Student Loans

7 Options for Paying Off Student Loans

A significant part of what makes us human are the different views each one of us has about one thing or the other. But one thing everyone can agree on is this: student loan debt isn’t a small issue. And paying off student loans isn’t easy. Debt.org reports that in February 2017, student debt rose... Read More

How Safe Are Credit Cards with Chips?

Credit Cards

How Safe Are Credit Cards with Chips?

How Safe Are Credit Cards with Chips?

Payments started with the barter system a long time ago. People exchanged goods or services for other goods or services. Eventually legal tender took over and money, in many forms—from tea bricks to cow to seashells—become the payment method of choice. Then virtual money came on the scene, including credit cards. And today’s credit cards,... Read More

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

Show Me More by Elisa Ortiz

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