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 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

Using Credit Cards During COVID-19

Credit Cards

Using Credit Cards During COVID-19

Using Credit Cards During COVID-19

Since we’re in the middle of a pandemic, we’re all trying to figure out the new normal. Whether you’re working from home, have a houseful of kids to keep busy or find yourself facing financial uncertainty, everyone has at least a little adjusting to do. While you’re taking stock of your life and what you... Read More

Coronavirus Mortgage Relief: What Homeowners Need to Know

Mortgages

Coronavirus Mortgage Relief: What Homeowners Need to Know

Coronavirus Mortgage Relief: What Homeowners Need to Know

The Coronavirus Aid, Relief and Economic Security Act—also known as the CARES Act—is a $2 trillion stimulus package passed by the federal government. The goal of the CARES Act is to provide relief for individuals and businesses struggling with the financial fallout of the COVID-19 pandemic and resulting shutdowns. One of the components of the... Read More

Coronavirus Stimulus Checks: Who’s Getting One and When?

Personal Finance

Coronavirus Stimulus Checks: Who’s Getting One and When?

Coronavirus Stimulus Checks: Who’s Getting One and When?

The coronavirus pandemic is causing sweeping economic concerns across the country. Record numbers of people are filing for unemployment. Many who aren’t completely out of work are facing issues with lower-than-normal income. In late March 2020, the federal government passed the Coronavirus Aid, Relief and Economic Security—CARES—Act to help provide some relief, and stimulus checks... Read More

Tips for Downsizing Smart without a Ton of Stress

Personal Finance

Tips for Downsizing Smart without a Ton of Stress

Tips for Downsizing Smart without a Ton of Stress

If you’ve made the decision to downsize to a smaller home, you may be wondering what comes next. Downsizing is a popular trend among retirees—and for a good reason—but it’s not a one-size-fits-all solution. That’s why it’s important to consider all your options carefully, along with how this move will affect your finances. Here are... Read More

5 Tips for Keeping Your Business Afloat During COVID-19

Small Business Loans

5 Tips for Keeping Your Business Afloat During COVID-19

5 Tips for Keeping Your Business Afloat During COVID-19

Many businesses are laying off employees or shutting doors, at least temporarily during the coronavirus pandemic. Only you can make the decision about what’s right for your business—and you should do so in consultation with business experts such as CPA advisers or business coaches. You’ll also want to make sure that you are following the... Read More

Show Me More

Credit.com receives compensation for the financial products and services advertised on this site if our users apply for and sign up for any of them.

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