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 Is a Fraud Alert Different from a Credit Freeze or Lock?

How Is a Fraud Alert Different from a Credit Freeze or Lock?

How Is a Fraud Alert Different from a Credit Freeze or Lock?

Hackers steal more than 250,000 records globally every hour. And improvements in technology make it easier—not harder—all the time for cyber thieves to access your personal and financial information. While identity theft is a scary thought, you aren’t helpless. The three major credit bureaus—Experian, Equifax and Transunion—offer three ways to help you protect yourself from... Read More

7 Ways to Get Credit When You Don’t Have Any

7 Ways to Get Credit When You Don’t Have Any

7 Ways to Get Credit When You Don’t Have Any

Credit is one of those things you don’t want to be without. But, as we all know, the credit game is definitely a Catch-22. You need a good credit history to snag the best deals on loans, yet it’s very difficult to get credit without a borrowing history. 1. Become an Authorized User If a friend... Read More

Credit Tips and Trends with Experian’s Rod Griffin

Credit Tips and Trends with Experian’s Rod Griffin

Credit Tips and Trends with Experian’s Rod Griffin

Credit.com recently had the opportunity to sit down with Experian Director of Consumer Education and Awareness Rod Griffin. Rod helps Experian help consumers better understand and manage their personal finances and protect themselves from fraud and identity theft. In April 2016, The Institute for Financial Literacy named Rod its “Educator of the Year.” Our goal... Read More

What Is a Soft Credit Check?

What Is a Soft Credit Check?

What Is a Soft Credit Check?

A soft credit check is when someone looks at your credit, either for informational or promotional purposes. Your credit score has a great deal of impact on your life. That’s why it’s a good idea to stay on top of your credit. This means you should take full advantage of the fact that the three major credit bureaus-Experian, TransUnion... Read More

Is Credit Card Interest Tax Deductible for My Business

Is Credit Card Interest Tax Deductible for My Business

Is Credit Card Interest Tax Deductible for My Business

Individuals and businesses use credit cards every day. Both earn rewards points that make paying for needed items easier. But if you’re a business owner, your business credit card has expenses and fees attached to it. Thankfully, some of those expenses and fees are tax deductible on your business taxes—including the credit card interest. Some business... Read More

What Is Chapter 7 Bankruptcy?

What Is Chapter 7 Bankruptcy?

What Is Chapter 7 Bankruptcy?

Keeping up with bills is not an easy or a fun task. For most people, managing finances comes without any training. Add that to living from paycheck to paycheck and it’s easy for bills to get past you. If you get too far behind, sometimes the only way out is to consider bankruptcy. One of... Read More

14 Reasons Why You Should Sign Up for Credit Repair Today

14 Reasons Why You Should Sign Up for Credit Repair Today

14 Reasons Why You Should Sign Up for Credit Repair Today

[Disclosure: Lexington Law Firm advertises on Credit.com and Credit.com may receive compensation if you sign up for credit repair services with Lexington Law Firm.] Having a great credit score is one of the most important things for Americans. For both individuals and small businesses, a bad credit score can have so many negative repercussions. If... Read More

When Did Credit Scores Start?

When Did Credit Scores Start?

When Did Credit Scores Start?

The concept of credit scores started in 1989, and would evolve into today’s most popular scoring model, the FICO Score from Fair, Isaac, and Company. Before the FICO Score, credit was determined based on the character of the consumer. Character-based decision making was popular when granting credit. For example, you could have an excellent credit... Read More

How Often Can You Get a Free Credit Report?

How Often Can You Get a Free Credit Report?

How Often Can You Get a Free Credit Report?

When you care for a sick child, you check his/her temperature more often than you do when she/she is healthy. And you use an actual thermometer instead of touching a forehead or neck to get a rough idea of whether there’s a fever. But what if the patient is your credit? It’s not as if... 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