Kaitlyn Mahoney Gravatar

Kaitlyn Mahoney

Content Marketer |  In Personal Finance

Kaitlyn Mahoney is an editor, writer, and content manager with a passion for making content inclusive, engaging, and accurate. She graduated with a BA in English Language and a minor in Editing and has spent her years since graduation writing and editing content across platforms, formats, and genres. When she’s not working, she’s reading, hiking, or trying to keep her various houseplants alive (mostly unsuccessfully).

Job Opportunities During COVID-19

Making Money

Job Opportunities During COVID-19

Job Opportunities During COVID-19

COVID-19 made official landfall in the United States in January 2020. Since then, it’s had a domino effect on nearly every industry. Businesses have been forced to close or adjust working procedures due to social distancing mandates and stay-at-home orders. And the number of people filing for unemployment has skyrocketed, with many people facing an... Read More

Is Investing During Coronavirus a Good Idea?

Investing

Is Investing During Coronavirus a Good Idea?

Is Investing During Coronavirus a Good Idea?

The coronavirus bear market might look appealing to some. But for many, the economic changes that come with COVID-19 cause anxiety and uncertainty. Investing during coronavirus, when you can buy stock or other assets for lower prices, might sound like mathematical sense, but is it right for you? Start with the information below—and the advice... Read More

How to Manage Your Money While Unemployed

Personal Finance

How to Manage Your Money While Unemployed

How to Manage Your Money While Unemployed

In times of turmoil, it’s easy to panic. Whether it’s due a global pandemic, recession, natural disaster or plain old capitalism, losing your job is a legitimate fear for many. If you’re preparing yourself for the worst or have recently lost your job, we have some tips to help you through. 1. Apply for Unemployment... Read More

How to Repair Your Credit

Credit Repair

How to Repair Your Credit

How to Repair Your Credit

Do-it-yourself projects are so popular, the market for them could be worth close to $14 billion by 2021. From home renovations to credit repair, consumers are taking control back into their own hands. That’s right: Anybody, including you, can make DIY credit repair their next personal project. If you’re suffering from bad credit and want... Read More

How Does Credit Repair Work?

Credit Repair

How Does Credit Repair Work?

How Does Credit Repair Work?

Bad credit holding you down? Mistakes on your credit report might be to blame. Luckily, there’s a way to get those errors removed and take your credit—and your life—back. It’s called credit repair and it’s a process that focuses on making sure your credit report is 100% accurate and fair. Need Credit Repair Help? So... Read More

Tips for Building Your Credit

Credit 101

Tips for Building Your Credit

Tips for Building Your Credit

Your credit score can affect many aspects of your life—from getting a loan to getting a job or getting a house. Good credit is necessary for sound finances and many major purchases. But there are no quick fixes or shortcuts to building good credit. You must start by establishing credit, then embrace responsible credit habits... Read More

How to Spend Wisely on Black Friday

Budgeting and Saving Money

How to Spend Wisely on Black Friday

How to Spend Wisely on Black Friday

Black Friday is one of the biggest shopping days of the year. Last year, Black Friday resulted in $6.2 billion in revenue. More than 170 million Americans went shopping over the Black Friday weekend in 2017, and this year the average adult expects to spend about $400. As Black Friday approaches (this year, Black Friday... Read More

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