Credit 101

Our Credit.com experts are here to provide you with a practical, real world credit education. They’ll teach you credit basics such as: what is a credit report & score, how to shop for credit & score is & how to understand & compare APRs. They’ll also brief you on the type of credit products available and how to evaluate which one is right for you.

How Late Can I Pay a Bill Before It Hurts My Credit?

How Late Can I Pay a Bill Before It Hurts My Credit?

How Late Can I Pay a Bill Before It Hurts My Credit?

It’s always frustrating to come across a bill and realize it was due yesterday… or last week. If you’re late on a payment or if you miss it completely, you could end up paying late fees and negatively impacting your credit score. It can be especially difficult if you want to apply for a loan... Read More

Starting a New Business? Here are Some Top Credit Considerations

Starting a New Business? Here are Some Top Credit Considerations

Starting a New Business? Here are Some Top Credit Considerations

Flexibility, being your own boss, following a passion–there are endless reasons to start your own business. And since they employ more people nationally than their larger counterparts, small businesses also play a key role in driving economic growth. On the flipside, 82% of small businesses will close due to lack of capital, according to a... Read More

Debt Relief: How Will It Affect Your Credit?

Debt Relief: How Will It Affect Your Credit?

Debt Relief: How Will It Affect Your Credit?

Article Updated August 2, 2018. Many people ask, what’s the best way to get out of debt? Then they may often think, but I have good credit, and I really don’t want to hurt it. There are many ways to lighten your debt load, and not all of them will have a major negative effect... Read More

Can You Be Denied a Rental Home Because of Bad Credit?

Can You Be Denied a Rental Home Because of Bad Credit?

Can You Be Denied a Rental Home Because of Bad Credit?

Article Updated August 1, 2018. The most well-known consequence of having bad credit is trouble getting loans or credit cards, but a low credit score can also make it difficult to find a place to live. Landlords, especially large property-management companies, will likely check your credit report before approving your lease, and there are plenty of negative items that... Read More

Landlords and Credit Checks: What You Should Know

Landlords and Credit Checks: What You Should Know

Landlords and Credit Checks: What You Should Know

Article Updated July 20, 2018 You’ve found the perfect place to rent, and now the property manager tells you all you need to do is fill out an application, so she can run a credit check—gulp. Whether you’ve got great credit, bad credit, or no credit, credit checks probably make you a little uneasy. What... Read More

What Does Charged Off Mean?

What Does Charged Off Mean?

What Does Charged Off Mean?

Article Updated by June 29, 2018 Finding the words charged off on your credit report isn’t good news. It can be scary and confusing when you don’t understand what it means or how it happened. The name itself isn’t helpful either. People often misinterpret the meaning, which can lead to more costly mistakes with your credit. Learning... Read More

How to Decide if Theme Park Season Passes Are Worth It

How to Decide if Theme Park Season Passes Are Worth It

How to Decide if Theme Park Season Passes Are Worth It

Summer break is approaching, and you’re going to need activities to occupy your kids while school is out. If you typically run out of things to do by August, season passes to your favorite theme park might be a good way to keep the whole family entertained all summer. But season passes are only worth... Read More

Take a Debt Free Summer Vacation

Take a Debt Free Summer Vacation

Take a Debt Free Summer Vacation

The arrival of summer inevitably inspires wanderlust. Hitting the road, jetting off to explore sights unseen around the globe, or basking on an exotic tropical beach and sipping margaritas – all of it can sound pretty fabulous. But at what cost? Racking up debt on a credit card in order to go on a summer... Read More

Late Credit Card Payments Come with Consequences

Late Credit Card Payments Come with Consequences

Late Credit Card Payments Come with Consequences

[UPDATE: Some offers mentioned below have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace.] Late credit card payments have both short-term and long-lasting consequences. You should avoid missing your payment due date, as it could result in financial penalties and damage... 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