It’s understood that seats in first class are roomier than in coach. But did you know that some seats in coach are better than others? Seats may be narrower in the back of the plane. Also, some seats may have more “pitch” — the space between your seat and the seat in front of you. Get the wrong seat and you’ll have less legroom,... Read More
Ready for a new car? If so, you’re likely asking yourself what type of car you want, whether to upgrade to a larger ride and which color you prefer. But here’s another question: Should you buy or lease? Most people finance their vehicles or pay in cash, but leasing has some benefits too. How do you decide? What Does Leasing... Read More
Designer kitchens remain the rage, thanks in part to all those home remodeling shows that flood the cable TV airwaves every weekend. Home cooks can’t help but covet a truly fancy kitchen complete with every small appliance imaginable. I’ll confess that after I’ve watched a remodeling show or browsed Bon Appetit magazine, I start dreaming of pasta... Read More
Growing up, I thought my birthday was cursed. Something always seemed to go wrong. One year I had a bowling party. The bowling alley gave me a bowling pin, which I promptly dropped on my toe. Another year I had a skating party. Being rather shy, I was mortified when the skating rink (and my... Read More
Edmunds.com recently compared the cost of buying a new 2013 Honda Accord EX, leasing the car, or buying a used 2010 Accord EX. After factoring in the true market value of both cars, leasing charges, and current loan terms and rates, they found the total out-of-pocket cost after six years came to: Leasing – $24,768.... Read More
It’s hard to function in America today without some sort of credit card. They’re the safest way to shop online, and are often important – even necessary – to arrange for travel expenses like rental cars, hotels and plane tickets. For many, access to credit cards is as simple as responding to a solicitation in the mail,... Read More
I once went on a date with a friend of a friend. Before appetizers, he asked what I did. I told him I was a personal finance writer, and he told me he didn’t believe in all that “hooey.” In fact – I kid you not — he said he kept his money hidden in his kitchen.... Read More
This post originally appeared on Money Talks News. If you have a life insurance policy you no longer want or can’t afford, stopping payments or simply cashing it in aren’t your only options – or your best ones. Many people have sold their policies in a life settlement sale and come out the other side with cash... Read More
This post originally appeared on Money Talks News. Budgeting is a great tool to help you reach financial independence. But what if your budget is actually hurting you? It can happen when you budget for a purchase. In fact, consumers who start shopping with a price in mind spend up to 50 percent more than those who don’t, according... Read More
This post originally appeared on Money Talks News. Unless you have a lot of free time, or don’t care about getting the best deal, real estate agents are a necessary part of buying or selling a house. They know the industry in and out and make the task a lot easier for you. But, as with any special... Read 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.
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.
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).
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.
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