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Credit.com

Contributor |  In Personal Finance, Mortgages

Credit.com is the only company of its kind to be founded and run by leading credit experts including journalists, authors and consumer advocates. We’re committed to helping consumers understand and master the confusing world of credit and improve their financial standing by recommending products and actions that are in their best interest.

3 Steps Young Families Can Take to Build a Financially Secure Future

Personal Finance

3 Steps Young Families Can Take to Build a Financially Secure Future

3 Steps Young Families Can Take to Build a Financially Secure Future

Young families looking to achieve financial stability should consider several foundational steps… Click To Tweet Young families looking to achieve financial stability should consider several foundational steps early on. These steps include making a plan to repay personal debts, saving up for a down payment on a house, and planning for the unexpected. To learn... Read More

How to Make 2020 the Year You Become Financially Secure

Personal Finance

How to Make 2020 the Year You Become Financially Secure

How to Make 2020 the Year You Become Financially Secure

Let’s think back to the end of 2019. With a new year approaching, people throughout the world were making resolutions, hoping to set out on paths that would lead them to greater things. Some wanted to get fitter or win their dream jobs—but one of the most common goals every year is to become financially... Read More

How to Protect Your Credit Score During COVID-19

Credit Score

How to Protect Your Credit Score During COVID-19

How to Protect Your Credit Score During COVID-19

The COVID-19 coronavirus pandemic has affected everyone all around the world. Extended isolation and sudden job losses have everyone thinking about their futures. Lots of people are concerned about losing a reliable income source during this time of crisis. Some have even been forced to shut their businesses. The global pandemic has turned many people’s... Read More

How Free Online Resources Can Help You Better Understand Financial Issues

Personal Finance

How Free Online Resources Can Help You Better Understand Financial Issues

How Free Online Resources Can Help You Better Understand Financial Issues

Even though schools, colleges and universities are closed throughout the world, there’s never been a better time for education. Why? Because of a heady combination of extensive downtime, pressing necessity, and a spectacular abundance of informational resources. Now that we’re all stuck at home with no clear notion of when that will change, we should... 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

Tips for Downsizing Smart without a Ton of Stress

Budgeting and Saving Money

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

6 Tips for Your Job Search During the Coronavirus Outbreak

Making Money

6 Tips for Your Job Search During the Coronavirus Outbreak

6 Tips for Your Job Search During the Coronavirus Outbreak

New developments continue to pour in each day surrounding the coronavirus pandemic. The COVID-19 outbreak has drastically changed nearly every aspect of life for millions of people, and the workforce in particular has been hit hard. Businesses, employees, and job seekers are all scrambling to identify what exactly “normal” will look like in the coming... Read More

Introducing Credit Tips with Tiff

Credit Tips with Tiff

Introducing Credit Tips with Tiff

Introducing Credit Tips with Tiff

You’ve got credit questions and we’ve got suggestions. Every day, we get dozens of questions on our blog—more than we can possibly respond to personally. That’s why we’ve brought in Tiff. She has more than a decade of experience working at financial institutions and has plenty of insight to offer, no matter your credit question.... Read More

A Bad Union—Closed Accounts and Your Credit Report

Credit Score

A Bad Union—Closed Accounts and Your Credit Report

A Bad Union—Closed Accounts and Your Credit Report

Credit’s a tricky thing. Some things obviously hurt your credit, like a late payment or no payment or maxing out your credit cards. But the effect of some things on your credit isn’t obvious at all and are almost counterintuitive. Those things seem like they should help your credit but can actually hurt. One of... Read More

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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