Miranda Marquit

Specializes In:

Miranda has been a financial journalist for more than 11 years and currently writes for Student Loan Hero. She has contributed to Forbes, NPR, U.S. News & World Report, Yahoo! Finance, Entrepreneur, Investopedia, AllBusiness.com, and Huffington Post. She has been featured in The Wall Street Journal, Business Insider, Inc., Fast Company, and other local and national publications. Miranda has also appeared on TV, radio, and podcasts to talk about money and investing issues. She regularly speaks at conferences and workshops and is an ambassador for Women's Money Week.

Credit Tools

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Paying Off Your Credit Card With a Personal Loan: Pros and Cons
Do you feel overwhelmed by credit card debt? Looking at a high in... read more

March 19, 2018

Personal Loans

A Millennial’s Guide to Getting Your First Car Loan
Buying a car is almost a rite of passage. Making that first car p... read more

February 13, 2018

Auto Loans

Working for a company with no retirement plans doesn't mean you can't create your own.
What to Do If Your Company Doesn’t Offer a Retirement Plan
The ability to divert part of your paycheck to an investment acco... read more

August 13, 2017


Before you take money out of your IRA, make sure you understand what’s expected of you.
Here’s What You Need to Know Before Withdrawing Money From Your IRA
One of the key pieces to retirement planning is understanding whe... read more

May 3, 2017


The 30% rule is a good place to start, but it’s not always the best gauge of how much should you spend on housing.
Buying a House? You May Want to Avoid the 30% Rule
Ask someone the question, “How much should I spend on a house?... read more

March 21, 2017


Here are five things you definitely need to know as a student loan borrower.
5 Things Every Student Loan Borrower Needs to Know
Have you looked at the cost of attending college recently? The pr... read more

March 14, 2017

Student Loans

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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.

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