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Deanna Templeton

Contributor |  In Credit Score, Managing Debt

Deanna Templeton is a financial literacy advocate with 15+ years in the banking and consumer credit industries, including five years with FICO in their credit scoring division. She specializes in educating consumers on the importance of healthy credit management, and shares valuable insight on consumer credit and finance issues.

2 Years After Bankruptcy, My Credit Is Still Bad — Why?

Credit Score

2 Years After Bankruptcy, My Credit Is Still Bad — Why?

2 Years After Bankruptcy, My Credit Is Still Bad — Why?

The decision to file bankruptcy isn’t an easy one, but it does offer a way out for those who are faced with debts that they won’t ever be able to pay. And while it offers a chance at a fresh start, trying to repair the damage bankruptcy does to your credit can be downright frustrating,... Read More

My Credit Is a Mystery. Where Do I Start?

Credit Score

My Credit Is a Mystery. Where Do I Start?

My Credit Is a Mystery. Where Do I Start?

There’s no denying the fact that credit has become a fundamental part of our financial lives. It influences how much we pay in interest on auto loans, mortgages, student loans and credit cards. It also influences our insurance premiums, deposits on utilities and rent, and in some cases, it can even impact our ability to... Read More

Are Free Credit Reports Different From Lender Credit Reports?

Credit Score

Are Free Credit Reports Different From Lender Credit Reports?

Are Free Credit Reports Different From Lender Credit Reports?

Here at Credit.com we encourage our readers to ask questions, share their personal stories and even vent their frustrations, as is the case with a reader who recently wrote to us to with this question: Why are free credit reports different from the credit reports provided to lenders and other businesses?! What one gets from a... Read More

Can You Force Your Ex to Pay a Loan You Co-Signed?

Credit Score

Can You Force Your Ex to Pay a Loan You Co-Signed?

Can You Force Your Ex to Pay a Loan You Co-Signed?

When you’re going through a divorce, protecting your credit is probably one of the last things on your mind. However, as the following question from one of our readers illustrates, it’s definitely something that couples should consider during divorce negotiations: I am a co-signer whose borrower (ex-wife) has left a $17,000 loan on me and... Read More

I Have Too Many Credit Cards. What Do I Do?

Credit Score

I Have Too Many Credit Cards. What Do I Do?

I Have Too Many Credit Cards. What Do I Do?

We recently received a question from a reader who wants to know if there’s any way she can close unused credit cards without hurting her credit scores and how taking this action could impact her credit overall: I have at least ten credit cards and I only use two of them — Amazon and a... Read More

Credit Card Judgments: How Long Before They Expire?

Managing Debt

Credit Card Judgments: How Long Before They Expire?

Credit Card Judgments: How Long Before They Expire?

One of our readers wrote us recently, asking how long it takes for credit card judgments to come off a credit report: I have two credit card judgments on my credit report that were placed in 2011. They are listed as debt collection companies, not the credit card companies. The original debt (last non-payment date)... Read More

Can I Stop a Medical Bill from Going to Collections?

Managing Debt

Can I Stop a Medical Bill from Going to Collections?

Can I Stop a Medical Bill from Going to Collections?

Unexpected medical bills can often lead to crippling debt. And if you’re not able to pay the debt, it can lead to even more complications if the debt is sent to collections, as is the case for a Credit.com reader who recently sent in this question: I am in need of some advice. A little... Read More

Will Filing Bankruptcy Hurt My Children’s Credit?

Managing Debt

Will Filing Bankruptcy Hurt My Children’s Credit?

Will Filing Bankruptcy Hurt My Children’s Credit?

Filing bankruptcy can get confusing if you have shared debts. One Credit.com reader wrote in recently with this concern: I am considering filing bankruptcy but am hesitant because I am on a few accounts with my children. I am not the primary cardholder with a Discover card, but am on my daughter’s card, and am... Read More

Should You Use Credit or Debit When Shopping Online?

Credit Cards

Should You Use Credit or Debit When Shopping Online?

Should You Use Credit or Debit When Shopping Online?

There’s nothing wrong with shopping online — it’s fast, easy and convenient — but it’s also important to make sure you know and trust the online companies you’re frequenting. We recently received this question from a reader on how to cyber-shop safely: “I use my credit card to make purchases online and usually receive these... 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.

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- The Credit.com Editorial Team