You know you have a problem — a credit score problem — but you don’t know how to fix it. There are so many different possibilities that could be the source of your credit problems that it’s hard to know where to start. Here are some tools to help you understand, diagnose and manage your... Read More
A North Carolina man found himself on the wrong end of a 14-year-old VHS rental gone wrong this week. As local news station WSOC reported, James Meyers was pulled over for a broken tail light, but when the officer ran his license, it came back with an arrest warrant for failure to return rental property... Read More
Most people expect their medical data to remain in just a few hands — their doctor, their pharmacist, their family, etc. — but prescription medication data can be shared with a number of companies you may not expect. Consumer Reports reminded readers last week that prescription drug data can be shared not only with your pharmacist,... Read More
In a YouTube video released Thursday, hacking group Anonymous claims to have compromised Donald Trump. Just two weeks after Anonymous promised a war against the leading Republican presidential candidate, the group released documents that allegedly include Trump’s Social Security number, cellphone number, birth date, children’s names and other pieces of personal information. The group said in the video... Read More
It was a tough choice when I decided to leave New York City last year, just six years after I moved there. But, like a lot of people my age, I was seeing my future in New York as plagued with constant money frustrations. The cost of the city isn’t easy to ignore. Every New Yorker... Read More
I’ve planned four bachelorette parties in the past five years (and attended five, including my own). I have the planning part down to a science. But this time around I had a little surprise — my credit score dropped 24 points when I checked it on my way home Sunday night. Now, I should preface this... Read More
As soon as my husband and I pulled up to see the house we’d eventually buy, it already had a good vibe to it. A blue house with a red door— just like the one I grew up in. It struck a sentimental note with me immediately. After living in one-bedroom apartments for the past... Read More
FICO scores are credit scores, but not all credit scores are FICO scores. Sounds like one of those confusing logic puzzles, right? But it’s a basic must-know when it comes to understanding credit scores. There are many different credit scoring models and FICO is a company that actually provides several different versions to lenders. In fact,... Read More
Like baseball, apple pie and binge-watching TV shows on Netflix, finding errors on your credit report has become a national pastime — it’s just a pastime that no one really enjoys. According to a report from the Federal Trade Commission, one in five Americans have errors hiding on their credit reports. Seems like a large... Read More
My mom taught me an important financial lesson when I was younger — never buy when things are in-season. Though she may not have explicitly told me this, the shopping bags full of clearance decorations a week after Christmas and the bags of pink Hershey bars a week after Valentine’s Day were example enough. My mom is a deal... 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