Paige DiFiore is the former Editorial Assistant at Credit.com and a Journalism student at Marist College and the blogger behind eyelinerwingsandprettythings.com. She loves soft kittens, sharp wit and even sharper eyeliner wings.
A smart purchase is just another way of saying awesome investment. You might feel strapped for cash in your 20s, but smart buyers will make purchases that will last them into their 30s and beyond. While it’s always tempting to spend your paycheck on a new pair of heels or drinks at happy hour, your... Read More
Buying kitchen appliances can be expensive and it can be hard to decide which ones are smart investments. A lot of it depends on your lifestyle. For some, a waffle maker might be a great investment because if you eat waffles on a daily basis. If your waffle habit is not as strong, a waffle maker won’t be... Read More
If you’re cooking for one, you probably know the feeling of disappointment and frustration that comes with throwing away a lot of food before you’ve had the chance to finish it. You’ve probably also thrown items in your cart, knowing fully well that half of it will end up in the trash. Often food isn’t packaged... Read More
College students already have a lot on their mind — career paths, majors, student loans, grades — but should credit be on that list? In college, your credit score is probably far in the back of your mind, if it’s there at all. But If you want to really get ahead and start post-grad life... Read More
It’s no question that college tuition is expensive, but the other costs of school are often overlooked. One of the biggest ones? A meal plan. In most colleges, meal plans are a mandatory cost, but don’t fret — there are many ways to get the most bang for your buck from your college meal plan.... Read More
The journey to building credit can be long and difficult, but it doesn’t need to be expensive. A good credit score isn’t about how much money you have but rather how well you manage it. A poor man could have the same credit score as a billionaire — all it takes is a little work. Learn how... Read More
It’s no surprise that certain areas are more profitable for home sellers than others, but it certainly is surprising which places those are. ATTOM Data Solutions, a property data company, just released its Q2 2017 U.S. Home Sales Report. They examined 118 metropolitan statistical areas with at least 1,000 home sales in the second quarter of... Read More
Let’s start with a disclaimer — I’m not telling you to murder anyone or become a villainous snake wizard. I’m going to help you save some money while taking inspiration from the most infamous villain of our youth and (no shame) adulthood. If Lord Voldemort was real and, you know, not busy trying to destroy Harry Potter, he... Read More
Your ZIP code is a pretty important piece of an address, especially when it comes to the real estate market. HomeUnion, an online real estate investment management firm, identified zip codes in 20 metros that maximize real estate returns while minimizing risk over a five-year horizon. They examined school quality and neighborhood attractiveness for single-family... Read More
Grabbing dinner, meeting for lunch or even visiting a hot new dessert place are often at the heart of anyone’s social calendar. Food and friends are a winning combination, but it can certainly add up. Next time you want to hang out with friends, propose something new. There are plenty of cheap things to do... 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.
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