Credit Union Vs. Bank Mortgage: Which Should You Choose?

Mortgages

Credit Union Vs. Bank Mortgage: Which Should You Choose?

Credit Union Vs. Bank Mortgage: Which Should You Choose?

You’ve saved up your money, you found the perfect house, and you’re ready to buy. Now you just need a mortgage. Commercial banks may be the obvious choice, but they aren’t the only option for your mortgage. Mortgage brokers, online mortgage lenders, and credit unions also originate mortgage loans. Credit unions and other non-banks are... Read More

How to Get Out of a Lease: 7 Steps You Can Take

Personal Finance

How to Get Out of a Lease: 7 Steps You Can Take

How to Get Out of a Lease: 7 Steps You Can Take

Whether you’re renting an apartment, house or duplex, your home should feel like a safe place—one that’s comfortable and secure. But what if something happens that makes your apartment unsafe? Or what if you can’t make your rent? Maybe you need to break your lease, and don’t know what to do. If you’re wondering where... Read More

10 Ways to Stay on Top of Your Business Finances

Personal Finance

10 Ways to Stay on Top of Your Business Finances

10 Ways to Stay on Top of Your Business Finances

Understanding the state of your finances is a crucial aspect of running a business, no matter whether it’s big or small. Businessowners need to make sure that the money keeps flowing. Besides, it’s important to be able to prepare for any debts, emergency, or unforeseen events. Ignoring financial management can lead to severe consequences, including... Read More

9 Ways to Build Credit Without a Credit Card

Building Credit

9 Ways to Build Credit Without a Credit Card

9 Ways to Build Credit Without a Credit Card

Credit cards are a great tool for building credit. They’re easy to use, offer flexibility, and sometimes even reward you for using them. Most also directly impact your credit score and are used by many people to begin building their credit profile. But what if you don’t want a credit card or are having trouble... Read More

What to Know About Medical Bills Sent to Collections

Managing Debt

What to Know About Medical Bills Sent to Collections

What to Know About Medical Bills Sent to Collections

If you think you’re immune to damage from a collection account on your credit report because you pay your bills on time, think again. Medical bills that you don’t know about could be hurting your credit—and the odds are not in your favor. In fact, the Consumer Financial Protection Bureau reports that around 31.6% of... Read More

What to Do When You Lose Your Health Insurance

Insurance

What to Do When You Lose Your Health Insurance

What to Do When You Lose Your Health Insurance

Losing your job is stressful. Losing your health insurance on top of that is even worse. And whether you have health concerns now or want to safeguard yourself and family for the future, you might be worried about how to cover medical expenses if you’re out of work. Find out what to do when you... Read More

How to Prepare for a Recession

Personal Finance

How to Prepare for a Recession

How to Prepare for a Recession

According to many economists, the US has entered a recession, due to the COVID-19 coronavirus pandemic. Already dubbed the Great Lockdown, this recession has the potential to affect the global economy. No one can really predict when a recession will hit, but data shows that the US experiences recession, on average, every three years. While... Read More

Retirement During COVID-19: How to Protect Retirement During a Financial Crisis

Personal Finance

Retirement During COVID-19: How to Protect Retirement During a Financial Crisis

Retirement During COVID-19: How to Protect Retirement During a Financial Crisis

Retirement planning and preparedness were things that most Americans didn’t do, even before the COVID-19 pandemic. According to Allianz Life Insurance’s January 2020 Retirement Risk Readiness Study, a third of people said they retired before they were ready due to a job loss. And that’s before the coronavirus caused sweeping changes across the economy. So, is... Read More

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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.

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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).

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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.

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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.

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- The Credit.com Editorial Team