Been pillow shopping lately? If not, get ready for a big array of shopping choices. You’ll find neck pillows, body pillows, memory foam pillows, anti-snore pillows, “cool” pillows, oxygen-promoting pillows, cervical pillows and blow-up pillows — to name a few. There are pillows made of foam, memory foam, down, cotton, latex, buckwheat hulls, wool and “down alternatives,” tiny... Read More
Insulation is about as sexy as flannel pajamas, but guess what? The money spent on beefing up attic insulation delivers the best bang per buck invested in home upgrades, according to Remodeling Magazine’s 2016 Cost vs. Value report. In fact, adding insulation (and nine other practical projects) outscored more glamorous upgrades, like kitchen and bathroom remodels. To conduct the report, now... Read More
Home maintenance is like housework, flossing and exercise: Work it into your routine, because the penalties are worse than the jobs themselves. For example, cleaning the gutters costs nothing if you do it yourself, and roughly $100 to $200 if you hire a service. Ignore the job, though, and you may face expensive repairs thanks to:... Read More
Finding gift ideas for the graduates in your life isn’t the hard part, since they need just about everything — pots and pans, thumb drives, transit passes, cash — you name it. The trick is finding something that both delights your grad and fits your budget. We’ve got you covered. This guide compiles the gift ideas from Money Talks News and around the web.... Read More
Our good habits carry us along almost effortlessly. That’s positive. It lets us focus on the things that need our attention most. But as you work to pay off debt, save and get your financial life on track, you’ll probably find some old, counterproductive habits undermining your progress. They may have worked once, but now they’re... Read More
Chances are your home mortgage is the largest debt you’ll ever have. How would you like to pay it off and run your mortgage contract through the shredder a lot faster than the 30 years for which most homeowners sign up? Let’s consider some ways to painlessly pay off your home loan sooner. You can choose to do it a little faster... Read More
Interest rates are still near historic lows — which cannot last forever. Meanwhile, as the cost of rental homes pushes into the stratosphere, in many markets it’s worth considering whether it’s time to get into the housing market instead of renting. 1. Check Your Credit Reports Your first move – long before you start home shopping – is to find... Read More
If a home purchase is in your future, now is the time to start saving for the down payment. Why get going now? Because it could take a while to save up the 20% for a down payment. Of course, you can buy a home with less than 20% down. The Federal Housing Administration has lowered down-payment requirements for mortgages it... Read More
If you have focused all your retirement planning energy on your 401(k), you may be missing a key piece of the puzzle: Social Security. You can influence your eventual payout from this safe, dull, old-age safety net to a surprising degree by making some adjustments and changes in your planning. The time to get started pumping up your... Read More
The new year brings reflection and reassessment and, although a big list of New Year’s resolutions can be difficult to keep, it is worthwhile making and keeping just one solid change each year. Here are five changes that will move you toward a better future. Think where you would be now if you had acted on... 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