Megan Elliott

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Megan is a Money & Career, Health & Fitness, and Culture Writer at The Cheat Sheet. She has a bachelor's degree in cultural studies from Macalester College and a master's degree in media studies from the New School University. Her writing has appeared in the Journal of Financial Planning and other publications.

Credit Tools

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Here are 11 reasons why you might want to pay with cash — or at least keep some on hand.
11 Reasons Why Cash Is Still King
All I wanted was some cilantro and onions, and I didn’t have th... read more

June 12, 2017

Personal Finance

Where is it cheapest to retire? Take a quick look to find out how much the average retiree spends in your part of the country.
These Are the Areas Where It Costs the Most to Retire
How much will you need to retire? $500,000? $1 million? $2 millio... read more

March 31, 2017

Redirected

CareerBuilder ranked the top 15 best jobs for people between the ages of 19 and 24, based on the share of young workers in the field, average wage, and projected job growth.
The 15 Best Jobs for Young People All Pay at Least $40,000
You might love watching reruns of Law & Order, but just becau... read more

March 8, 2017

Making Money

how to avoid paying taxes
10 Bizarre Claims People Make to Avoid Paying Taxes
Resistance to taxes is baked into Americans’ DNA. After all, it... read more

February 28, 2017

Taxes

From Apple to GM, here are 10 companies that came back from the dead.
10 Great Companies That Came Back from the Brink of Death
Macy’s is closing stores. The Limited is bankrupt and shutterin... read more

January 13, 2017

News

These customer service tips and tricks will help you make the most of your phone call.
3 Things to Never Do When You Complain to Customer Service
Most people don’t call a customer service hotline because they... read more

December 20, 2016

Uncategorized

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. Compensation is not a factor in the substantive evaluation of any product.

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