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Josh Smith

Content Manager |  In Mortgages

Josh is the Content Manager at Credit.com. He works with leaders and experts in the credit industry to create educational and timely articles that consumers can use to make more informed decisions.

Big Credit Card Firms Agree to Cut Fees They Charge Merchants

Credit Cards

Big Credit Card Firms Agree to Cut Fees They Charge Merchants

Big Credit Card Firms Agree to Cut Fees They Charge Merchants

Swipe, insert, or tap — sound familiar? According to recent research, 66 percent of all point-of-sale transactions are completed by card. And this number is expected to grow with technological developments and time-conscious consumers looking for the fastest payment method. Yet, there are still many businesses that don’t accept credit cards as a form of... Read More

How Much Do Americans Actually Know About Credit Scoring?

Credit Score

How Much Do Americans Actually Know About Credit Scoring?

How Much Do Americans Actually Know About Credit Scoring?

Every year, the Consumer Federation of America (CFA) and VantageScore Solutions work together to produce the Annual Credit Score Survey. This survey examines how much Americans actually know about the credit system. With the average credit score reaching a record high of 700 last year, Americans might know a lot more than we think. The... Read More

10 Tips to Manage Your Finances While You Job Hunt

Personal Finance

10 Tips to Manage Your Finances While You Job Hunt

10 Tips to Manage Your Finances While You Job Hunt

Nothing says adulting quite like hunting for your first post college job. Taking steps to embark on what should, by all indications, be an epic career journey, is equal parts exhilarating and terrifying. While there are a litany of resources available that can help you search, apply, and get hired for your dream job, there... Read More

9 Signs That Someone is Using Your Identity

Identity Theft

9 Signs That Someone is Using Your Identity

9 Signs That Someone is Using Your Identity

After months of searching, you’ve finally found it: the elusive perfect apartment, and it’s yours pending a routine credit check. You’re practically planning your housewarming party when the landlord calls you to tell you your application has been rejected. You’re crushed, but more importantly you’re worried and upset. Could you be the victim of identity... Read More

12 Things to Think About Before Renting a Home

Mortgages

12 Things to Think About Before Renting a Home

12 Things to Think About Before Renting a Home

2018 is an exciting time to be moving. Housing markets across the country are booming and home-finder sites like Padmapper are ablaze with the prospect of the perfect rental. But leasing an apartment is no simple task; whether you’re a seasoned lease or new to the world of renting, here are 12 things to consider... Read More

10 Things To Do If Your Debt Goes to Collections

Personal Finance

10 Things To Do If Your Debt Goes to Collections

10 Things To Do If Your Debt Goes to Collections

For one reason or another, life has given you lemons, and you’re in serious debt. Now, it’s time to make lemonade. The best thing to do with facing collections is to do a little proactive, focused legwork. Collections can be scary, but don’t panic. Follow these 10 tips to prevent serious credit or financial damage... Read More

Top 10 Health Insurance Considerations

Managing Debt

Top 10 Health Insurance Considerations

Top 10 Health Insurance Considerations

Quality health insurance consistently ranks as the most desired employee benefit. According to the Harvard Business Review, 88 percent of employees ranked employee health insurance as a the top employee benefit consideration. Which makes sense considering that you can’t put a price on a clean bill of health. Whether covered by an employer, or shopping... Read More

15 Steps You Can Take to Prevent Identity Theft

Identity Theft

15 Steps You Can Take to Prevent Identity Theft

15 Steps You Can Take to Prevent Identity Theft

While identity theft now gets its own category as a crime, it contributes to the most common type of crime in the U.S.: theft. Millions of Americans (and people all over the world) fall victim to identity theft every year, and it seems there’s little we can do to stop it. However, that type of... 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