It’s well-nigh impossible for the average person to avoid the influenza virus. You have no idea who touched that doorknob or keyboard before you did, and one person coughing on the subway could make you mighty uncomfortable over the next week or two. Worse, you could unwittingly transmit this potentially devastating disease to those you... Read More
Have you taken your summer vacation yet? Or has your vacation taken you? Some people travel on autopilot. You cart the kids off to Disneyland because you’re supposed to? Or, you fly to Europe because everyone says you should see Paris before you die. But what do you want? “Most of us don’t take the time to think about what would... Read More
No roommate no cry, right? It might be a relief to quit sharing space, whether that means you are just out of the college dormitory or exiting some other co-living situation. But living alone (getting the bathroom all to yourself!) does come at a huge premium, according to U.S. News & World Report. Looked at the other... Read More
Sometimes our homes make us feel tired. As in weary of: Rooms that have looked the same since 2007. Kid- or pet-raddled furniture. Wending our way through — and cleaning — crowded spaces Dark paint, insufficient lighting, cluttered shelves or anything else that keeps us from loving where we live. Maybe you fret over finding the... Read More
For many people, hitting the big 4-0 can actually be quite freeing. You’re in your peak earning years, and your home is likely close to being paid off. The kids are out of that house — or nearly so — and you’re enjoying more of the other things life has to offer: hobbies, travel, restaurants... Read More
Suppose the first thing your boss says tomorrow is, “Sorry, but I’m cutting you back to 28 hours a week.” How long before you couldn’t pay your bills? Sometimes bad stuff happens to good workers. No one wants to think about a major income drop, but getting ready now means that you won’t be quite... Read More
How’s your bank balance? It should be healthier than this time last year. And if it isn’t? Only a few explanations exist for this lack of progress: The past 12 months were filled with budget busters such as car trouble, medical co-pays and the need to replace major appliances. You were already living paycheck to... Read More
Some people refer to budgets as a “money diet.” That’s an unfortunate choice of words given the negative connotations associated with dieting: reduced options, deprivation, maybe even pain. That’s not to say that diets aren’t important. And just as with budgeting, you feel optimistic: I will eat better, exercise more, lose weight and be able to... Read More
Think pharmacies are only about antibiotics and condoms? Think again. You can get vaccinations, blood pressure readings, specially packaged medications and many other perks. In some cities you can even see a doctor in the drugstore. How convenient is that if it turns out you need a prescription? Here’s an all-too-typical scenario: Your child wakes... 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.
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