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Taylor Cenicola

Senior Earned Media Manager |  In

Taylor earned her degree in communications with an emphasis in public relations and a minor in business management from Brigham Young University.

Why a Savings Account is Important

Personal Finance

Why a Savings Account is Important

Why a Savings Account is Important

It may be surprising, but few Americans are saving. About 65% of Americans have little or nothing saved up. Here at Credit.com, we’re passionate about helping others secure their financial future. We want to help you save money, which is why we now offer savings and money market accounts through trusted FDIC insured banks to... Read More

5 Housing Options for Graduate Students

Personal Finance

5 Housing Options for Graduate Students

5 Housing Options for Graduate Students

The college years are so exciting! And if you choose to go back for graduate school, one of the most important decisions you have to make is where you’re going to live. Today, there are multiple housing options available to students on and off-campus. This article outlines the possible housing options available for grad students... Read More

What Types of Homes are Millennials Buying?

Mortgages

What Types of Homes are Millennials Buying?

What Types of Homes are Millennials Buying?

In 2018, Millennials surpassed Baby Boomers as the largest living generation in America. And as with every new generation, Millennials bring with them change. As a result, researchers are trying to understand what’s changed and how best they can market to them. The real estate industry is no different. A consumer insights report shows that... Read More

The 10 Best Workplaces for Millennials

Personal Finance

The 10 Best Workplaces for Millennials

The 10 Best Workplaces for Millennials

The oldest millennials are now in their late 30s, and this generation is the biggest part of the U.S labor force. When asked, Millennials are less likely than Baby Boomers to respond that creativity and fun are important to them in a company. What matters to Millennials is how the company will help them grown,... Read More

Can I Sell My Home Myself?

Mortgages

Can I Sell My Home Myself?

Can I Sell My Home Myself?

Selling your home without an agent may sound empowering at first. It certainly may save you money on agent fees and commissions. However, the truth is that selling your home yourself can be very complicated. There is a lot that goes into the process that a typical homeowner wouldn’t know. The simple truth is that... Read More

How Do Personal Loans Impact Your Credit?

Personal Loans

How Do Personal Loans Impact Your Credit?

How Do Personal Loans Impact Your Credit?

Data from TransUnion shows that personal loans are the fastest growing debt in the past year or so. The data goes on to show that outstanding personal loans had an 11.4% increase in the second quarter when compared to the same period in 2017 to get to an astounding $273 million. This brings the total... Read More

Number of Credit Card Charge Offs Falls

Credit Reports

Number of Credit Card Charge Offs Falls

Number of Credit Card Charge Offs Falls

Usually, a charge off occurs when an individual doesn’t make payments – usually for six months. This is more than just a credit card status though. It affects your relationship with your credit card issuer, your general credit standing, your ability to get a credit card or loan approved and other credit-related services. How Charge... Read More

Student Loan Scams to Watch Out For

Student Loans

Student Loan Scams to Watch Out For

Student Loan Scams to Watch Out For

As things stand now, there are more than 44 million people who collectively owe a whopping $1.5 trillion in student loan debt in the U.S Clearly, this is an issue that needs to be addressed. The problem is that there just aren’t enough jobs for these graduates to try and offset their student loan debts... Read More

Wells Fargo Calculation Error Caused 400 Home Foreclosures

News

Wells Fargo Calculation Error Caused 400 Home Foreclosures

Wells Fargo Calculation Error Caused 400 Home Foreclosures

A glitch in Wells Fargo’s proprietary mortgage underwriting software led to hundreds of home foreclosures. An SEC filing disclosed in August revealed that a Wells Fargo “calculation error” unfairly barred 625 homeowners from mortgage modification. “We determined that an automated calculation error may have affected the decision on whether or not to offer or approve... Read More

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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