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Josh Smith

Content Manager |  In Mortgages

Josh is an associate content manager at Credit.com. He works with the Credit.com team and leaders and experts in the credit industry to create timely, educational articles that help consumers make informed decisions.

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

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

A 26f Plan for Tax-Deferred Investing

Guides

A 26f Plan for Tax-Deferred Investing

A 26f Plan for Tax-Deferred Investing

American employers offer 401(k) or 403(b) retirement plans to 57% of the American workforce.1 And 91% of employees with access to an employer-sponsored retirement plan, participate by making pre-tax contributions through payroll deductions.1 The 43% of the American workforce without access to a 401(k) or 403(b) retirement plan look for other tax-deferred alternatives, including IRAs, SEPs, Roth... Read More

What Are No Credit Check Loans?

Personal Loans

What Are No Credit Check Loans?

What Are No Credit Check Loans?

Most lenders check your credit history when you apply for a loan. If you have a record of making payments on time and aren’t using most of your available credit, you’re more likely to be approved for mortgages and other types of loans. You’ll also qualify for better interest rates than people with a poor... Read More

Understanding How Solar Tax Credits Work

Taxes

Understanding How Solar Tax Credits Work

Understanding How Solar Tax Credits Work

The U.S has been grappling with the idea of making renewable energy the primary source of power for homes and industries. Solar energy is by far one of the most popular in the market today. As an incentive to ensure that as many homeowners as possible adopt the use of solar energy, the federal government... Read More

The Perks of Online Banking

Personal Finance

The Perks of Online Banking

The Perks of Online Banking

A recent survey  found that at least two-thirds of American adults primarily use online banking. If you are one of those Americans, then the chances are that you enjoy online banking because of the convenience it offers. Through an online banking portal, you can: Pay your bills Set up a savings account Transfer money between... Read More

How Much Does America Spend on the Super Bowl?

Personal Finance

How Much Does America Spend on the Super Bowl?

How Much Does America Spend on the Super Bowl?

[DISCLOSURE: Cards from our partners are mentioned below.] Super Bowl LIII is just around the corner, and as is tradition, millions of people are getting ready to spend big money on the event for food and drinks to throw watch parties. These expenses can all adds up to a pretty large amount of money. Did... Read More

What Are Prepaid Debit Cards?

Credit Card Reviews

What Are Prepaid Debit Cards?

What Are Prepaid Debit Cards?

[DISCLOSURE: Cards from our partners are mentioned below.] A prepaid card is an alternative to a debit or credit card. It only allows you to spend up to the amount of money you load onto it. Prepaid cards are safer than using cash and like other types of credit and debit cards, can work at... Read More

15 Key Tax Tips For 2018

Taxes

15 Key Tax Tips For 2018

15 Key Tax Tips For 2018

Tax laws aren’t what they used to be thanks to the Tax Cuts and Jobs Act (TCJA) passed in December 2017. You don’t need to sweat the new laws though. Most happen automatically. You’re biggest worry is to ensure you don’t try and take the same deductions you took last year—if you itemize—and to understand how... Read More

10 State and Local Taxes Determined by Your Location

Taxes

10 State and Local Taxes Determined by Your Location

10 State and Local Taxes Determined by Your Location

While federal tax law controls your life on April 15 each year, the state and local taxes you pay are determined by your location. Here’s a look at 10 state and local taxes that affect your local tax liability each year. State Income Tax versus Federal Income Tax Your federal income tax return is one... 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.

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- The Credit.com Editorial Team