Identity Theft

Our Credit.com experts provide tips & advice on how you can avoid becoming a victim of identity theft and what you should do in the event your identity is compromised. Here, you’ll find information explaining the different forms of identity theft, how to monitor you credit for signs of identity theft & what fraud protection measures you can take.

ID Fraud Hits All Time High: What You Can Do to Protect Yourself

ID Fraud Hits All Time High: What You Can Do to Protect Yourself

ID Fraud Hits All Time High: What You Can Do to Protect Yourself

Not to name names (cough, cough, Equifax), but it seems a particular data breach involving the sensitive information of 145.5 million people may have something to do with the spike in identity-related crimes reported in Javelin Strategy and Research’s 2018 Identity Fraud Study. As if 2016’s record didn’t serve as warning enough, along comes 2017... Read More

How to Fix Your Credit After Identity Theft

How to Fix Your Credit After Identity Theft

How to Fix Your Credit After Identity Theft

Identity theft and credit card fraud are on the rise. Advisory firm Javelin Strategy & Research reported a 16 percent increase in the “identity fraud incidence rate” in 2016, the highest since the firm started tracking in 2003. The result? A massive $16 billion of losses during a single year. Although the majority of these... Read More

Should You Have a Disposable PIN Code to Protect Your Tax Refund?

Should You Have a Disposable PIN Code to Protect Your Tax Refund?

Should You Have a Disposable PIN Code to Protect Your Tax Refund?

The short answer to the above question is that in a perfect world, yes, you should not just have a PIN code (most tax returns require one)—you should be issued a new one every year. The IRS estimated that it paid $239 million in “suspect” tax refunds in 2016. The good news: During the first... Read More

This Blackmail Scam Brought to You by [Name of Data Breach]

This Blackmail Scam Brought to You by [Name of Data Breach]

This Blackmail Scam Brought to You by [Name of Data Breach]

Dave Eargle doesn’t have to imagine what it would be like to get an extortion letter in the mail, because he got one. “I know you cheated on your wife,” the correspondent wrote. “More importantly, I have evidence of the infidelity.” The scam artist behind the letter claimed to have discovered the alleged cheating accidentally,... Read More

6 Signs You Need to Check Your Credit Report ASAP

6 Signs You Need to Check Your Credit Report ASAP

6 Signs You Need to Check Your Credit Report ASAP

It pays to be familiar with your credit report. The information it contains determines your credit score, your ability to access credit and loans, and even your chances of landing a job or signing a lease. It’s a good idea to check your credit report on at least an annual basis. But in certain scenarios,... Read More

How to Avoid Credit Card Theft while Traveling

How to Avoid Credit Card Theft while Traveling

How to Avoid Credit Card Theft while Traveling

Whether you plan to travel now or in a year, you should take steps to protect yourself from identity theft and credit card fraud while you’re on vacation. Tourists are often victims of theft, including passport and credit card theft—both of which can compromise personal information. Thieves can gain data by physically taking belongings the... Read More

6 Ways to Make Your Family Harder to Hack 2018

6 Ways to Make Your Family Harder to Hack 2018

6 Ways to Make Your Family Harder to Hack 2018

While there are a thousand resolution-worthy action items out there, the time is always now for the things that need to change in our lives. Never were truer words spoken when it comes to our potential vulnerability to hackers. The number of breaches and the granular nature of the data exposed in those attacks over... Read More

The 12 Scams of Christmas for 2017

The 12 Scams of Christmas for 2017

The 12 Scams of Christmas for 2017

Scammers make a killing during the holiday season. While you spend your time thinking of ways to bring holiday joy to others, they spend their time thinking up ways to steal from you. The saddest part about this is that the ghosts of Christmases past keep visiting Christmas present. With that, I give you this... Read More

How the Uber Hack Could Get You Robbed This Christmas (Again)

How the Uber Hack Could Get You Robbed This Christmas (Again)

How the Uber Hack Could Get You Robbed This Christmas (Again)

News that Uber got hacked and 57 million records were compromised may not seem like an overt threat after this year’s constant mega breaches—but it is. A recent study suggests that even something as “harmless” as a breach involving names, phone numbers, and email addresses can lead to account takeover. The study, entitled “Data Breaches,... Read More

Tips for Buying Safe Connected Devices This Cyber Monday

Tips for Buying Safe Connected Devices This Cyber Monday

Tips for Buying Safe Connected Devices This Cyber Monday

Keeping up with news alerts about cybersecurity flaws in consumer electronics is a lot like picking up spilled jelly beans one at a time with a plumber’s wrench. Even if you figure out how to do it and have endless patience, a few will skitter out of sight. Assume for the moment that, unlike most... Read More

Show Me More

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