If you are planning to travel by car this summer, take steps to help avoid ending up on the side of the road. Make sure your car is in good shape so it won’t break down. A properly maintained car gets you where you want to go, and saves you money getting there. Here’s what you need to check. 1.... Read More
The moment of truth is nearly upon those of us who waited to file our federal income taxes. Yes, this year the tax deadline is April 18 instead of the 15th — offering serious procrastinators a little reprieve. But the longer you wait, the more you increase the chance of making a mistake under pressure. Still,... Read More
When Sara Minor wanted to boost the family side of her work-life balance, the 43-year-old mother of three teenagers traded her part-time commuter job for a full-time position — working from home. Her job as a human resources coordinator for Keeping Your Balance, a payroll, bookkeeping and accounting service, keeps Minor closer to her husband, Matt,... Read More
Whether paddling across a pond in a 6-foot canoe or putting out to sea in a 60-foot yacht, boating is back — big time. With the onset of warm weather, you may be tempted to plunge into boating, too. As it turns out, you don’t have to be rich to own a boat. The National Marine... Read More
The moment of truth is nearly upon those of us who waited to file our federal income taxes. Nearly one in four Americans wait until the last two weeks to file, the IRS reports. But the longer you wait, the more you increase your chance of making a mistake under pressure. Beat the April 15... Read More
From Palm Beach to Palm Springs, Panama City to Punta Cana, Myrtle Beach to Montego Bay, winter-weary spring breakers are looking for warm getaways that won’t empty their wallets. Fortunately, we have some tips to help — and they’re not just for college students. Officials in spring tourist destinations say hotels are already seeing advance bookings from family... 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