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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.

Why the End of the Year is the Best Time to Buy a Car

Auto Loans

Why the End of the Year is the Best Time to Buy a Car

Why the End of the Year is the Best Time to Buy a Car

Buying a new car is very exciting!  You may even already have your dream car picked out, down to the color and the interior. But have you considered the price of your car? Budget is very important because you want something that’s affordable. Did you know that car prices constantly change? In fact, the best... Read More

Don’t Forget These Things When you Move

Personal Finance

Don’t Forget These Things When you Move

Don’t Forget These Things When you Move

Moving to a new place can be bittersweet. On the one hand, it’s an exciting change. On the other, you may be sad because you are leaving all the memories, neighbors, and environment you were used to behind. Regardless of how you feel, the move must go on. For most people, it goes smoothly. But... Read More

4 Ways to Lower Taxes in Retirement

Taxes

4 Ways to Lower Taxes in Retirement

4 Ways to Lower Taxes in Retirement

What are your plans for retirement? Do you think that maybe you will sail around the globe with your special someone by your side? We all have wonderful plans for our retirement. That’s why we work so hard to save for it. Things like 401(k)s, IRAs, and other forms of personal savings and investments help... Read More

5 Great Cities for Millennials

Personal Finance

5 Great Cities for Millennials

5 Great Cities for Millennials

Millennials have a reputation for being poor savers and impulsive buyers. The truth is most Millennials have a higher level of financial literacy than most people realize. One report shows one in six Millennials have over $100,000 in savings. That alone should tell you that a good percentage of the “digital generation” is more conscious... Read More

5 Things to Consider When Changing Car Insurance

Personal Finance

5 Things to Consider When Changing Car Insurance

5 Things to Consider When Changing Car Insurance

Insurance is defined as a form of protection against loss. But in today’s insurance industry, insurance can be purchased to mitigate against all forms of loss. It is a type of risk management used by people to protect against uncertain loss or the risk of failure. Insurance companies or carriers or underwriters sell premiums to... Read More

Student Loans and Applying for Financial Aid

Student Loans

Student Loans and Applying for Financial Aid

Student Loans and Applying for Financial Aid

The year is 2018, and there are 44 million Americans currently in debt valued at over $1.5 trillion. Today, student loan debt is the second largest consumer loan debt category, coming behind mortgage debt and above credit cards and auto loans. To provide a bit of perspective, this means that the average loan debt of... Read More

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

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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