Celebrating National Cut Your Energy Costs Day

Personal Finance

Celebrating National Cut Your Energy Costs Day

Celebrating National Cut Your Energy Costs Day

January 10th is National Cut Your Energy Costs Day. It’s about sustainability. It’s also a day to think about energy consumption and how you can reduce costs while being more eco-friendly. If you’re looking for ways to save money, then January 10th should be a big day on your calendar. This is a great opportunity... Read More

Buy Gift Cards to Get Credit Cards Reward and Reward Yourself

Personal Finance

Buy Gift Cards to Get Credit Cards Reward and Reward Yourself

Buy Gift Cards to Get Credit Cards Reward and Reward Yourself

[DISCLOSURE: Credit cards from our partners are mentioned below.] For some, the gift of a gift cards is the perfect present. Maybe that’s why sales of gift cards were projected to hit 160 billion U.S. dollars in 2018.1 But perhaps there’s no better gift than rewarding yourself when you buy a gift card for someone... Read More

What Is an Amortization Schedule?

Personal Finance

What Is an Amortization Schedule?

What Is an Amortization Schedule?

Amortization is an accounting term. At the highest level, it means to spread out expenses over time. In business, it means to spread out expenses for assets over time for tax and/or accounting purposes. For banking, it means to pay off a debt, typically a mortgage or car loan, in regular installments by following a... Read More

Credit.com Earns Badcredit.org’s Editor’s Choice Award

News

Credit.com Earns Badcredit.org’s Editor’s Choice Award

Credit.com Earns Badcredit.org’s Editor’s Choice Award

Customers’ opinions matter most, but some healthy peer recognition is always nice too. That’s why we here at Credit.com are honored that our peer, BadCredit.org, awarded us with its Editor’s Choice Award on January 3. More importantly, we’re honored that a peer recognizes the efforts we put in to helping consumers own their financial lives.... Read More

Credit Cards that Offer the Most Airline Miles

Credit Card Reviews

Credit Cards that Offer the Most Airline Miles

Credit Cards that Offer the Most Airline Miles

[DISCLOSURE: Cards from our partners are mentioned below.] You probably love traveling. If you travel frequently, then you might consider signing up for a credit card that offers airline miles or other forms of travel credit. These cards give you points for every dollar you spend, and these points can then be redeemed for flights,... Read More

Should You Get an FHA or Conventional Loan?

Mortgages

Should You Get an FHA or Conventional Loan?

Should You Get an FHA or Conventional Loan?

A Federal Housing Administration (FHA) loan or FHA loan is insured by the federal government. First-time home buyers and those with lower credit scores and lower down payments are more likely to qualify for an FHA loan. A conventional loan isn’t insured by the government. It’s instead backed by a private mortgage lender and the... Read More

Ways to Pay for Home Renovations

Mortgages

Ways to Pay for Home Renovations

Ways to Pay for Home Renovations

Home renovations are a big deal. Many people renovate to update their homes and increase property values. There are several ways you can pay for home renovations. There are secured home improvement loans or unsecured personal loans. Or you can use your savings if you have a lot of money saved up. If your renovations... Read More

Car Insurance: Liability vs. Full Coverage

Personal Finance

Car Insurance: Liability vs. Full Coverage

Car Insurance: Liability vs. Full Coverage

Most people need car insurance in order to drive legally. Car insurance has two main categories: liability and full coverage. The two types of car insurance will cover you in different circumstances. They also come at two very different prices. This article will cover the difference between the two types of car insurance coverage. Liability Coverage  Liability car... Read More

Keep Your Credit Card Issuer from Cancelling Your Card

Credit Cards

Keep Your Credit Card Issuer from Cancelling Your Card

Keep Your Credit Card Issuer from Cancelling Your Card

Your credit card issuer is the company that issues you your credit card. Sometimes your issuer may be a bank like Chase or Capital One, a credit union, or a credit card company like Visa or Mastercard. Your credit card issuer is able to make decisions regarding your account as described in your card agreement.... 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