It’s no secret that America is a nation of couch potatoes. In fact, about 80% of Americans do not get the recommended amount of weekly exercise, according to the Centers for Disease Control and Prevention. Yet, millions of others can’t get enough of recreational sports. For some, it’s hiking through the hills on a warm... Read More
The kids are on vacation from school, and you’re taking time off work. That’s what summer is all about. But doesn’t the dog also deserve a little warm-weather R&R? Of course! Summer is a great time to let your puppy have a little extra fun in the sun. Just remember to do it safely. As... Read More
Summer is a great time to head to the beach, fire up the grill or go camping. But it’s also a terrific time to earn a little extra cash. You can make money year round, of course. But the long days, warm weather and (for some) flexible schedules of summer offer some unique opportunities to... Read More
As spring slowly gives way to summer and temps begin to heat up, bicyclists everywhere are heading out to their garages, tuning up their wheels and hitting the pavement or trails. About 100 million Americans ride a bicycle each year, including 34% of people over the age of 3, according to a survey by Breakaway... Read More
We all know that nothing in this world lasts forever. That’s true of the shiny new car you bought last year, the bicycle helmet you bought today, or the fancy dress you plan to buy next week. But while some items should always be replaced when they’re worn down — think of the bicycle helmet as “exhibit... Read More
For more than a century — 115 years, to be exact — Walgreens has been helping Americans get the medicines they need. Established in Chicago in 1901, Walgreens is the nation’s biggest pharmacy chain, although relative upstart CVS is nipping at its heels. Walgreens has more than 8,000 locations and can be found in all 50 states.... Read More
Love it or loathe it, few of us can avoid a weekly trip to the grocery story. On any given day, 32 million adults trundle down a grocery aisle, according to a 2008 study by the Time Use Institute. And while everyone has their own favorite grocer, Americans choose Kroger more than any other chain devoted... Read More
Spring is in the air, inspiring homeowners everywhere to dream of ways to spruce up their abodes, both inside and out. If you are among those enterprising folks, a trip to the local home improvement store may be in the cards in the near future. The two titans of this industry — The Home Depot and... Read More
Stop any four shoppers on the street, and there is a good chance one of them is heading to Costco. Fully 81 million Americans — one-quarter of the population — belong to the warehouse store, according to the company. Costco is filled with ways to save, but it is easy to overlook some of the less obvious... Read More
If you really enjoy perusing the aisles at Target, you’re not alone. In fact, Target is among America’s favorite places to shop. The discount retailer ranks third among mass merchant sellers, behind Walmart and Costco and ahead of Amazon, according to the National Retail Federation. Shoppers turn to the famous Target bull’s-eye because they aim to... 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