Guides

19 Mistakes College Grads Make When Finding Their First Apartments

19 Mistakes College Grads Make When Finding Their First Apartments

19 Mistakes College Grads Make When Finding Their First Apartments

Advertiser Disclosure Finding your first apartment after college is a big undertaking — it can be hard to know where to start when you’re staring at a stack of listings and the money from your new job is burning a hole in your pocket. And you’re new to all this, so you’re bound to make some... Read More

5 College Degrees That Are Worth the Money

5 College Degrees That Are Worth the Money

5 College Degrees That Are Worth the Money

Advertiser Disclosure There’s no doubt that college is expensive. In fact, the average cost per credit hour is $594, according to a new Student Loan Hero study on the cost of a college credit. For a typical four-year program, students will spend $71,335 on average. If you have to take out loans to pay for... Read More

Didn’t Get the Job? 3 Things You Can Do to Change the Interviewer’s Mind

Didn’t Get the Job? 3 Things You Can Do to Change the Interviewer’s Mind

Didn’t Get the Job? 3 Things You Can Do to Change the Interviewer’s Mind

Advertiser Disclosure After months of searching for jobs, your dream company called you in for an interview. Your resume was flawless, you wore your best interview attire, and you confidently headed to Dreamy Company to meet the hiring team. Things went well. The interviewers laughed. You successfully answered every tough question, and you even got to... Read More

Going on a Job Interview? These 5 Signs Could Mean You’re Getting Hired

Going on a Job Interview? These 5 Signs Could Mean You’re Getting Hired

Going on a Job Interview? These 5 Signs Could Mean You’re Getting Hired

Advertiser Disclosure The job interview went well — or at least you think it did. You were cool and confident, answering questions with ease and projecting a friendly, professional demeanor. At this point, you’re pretty much guaranteed to get hired, right? Not so fast. You might think the job interview went well, or you might think... Read More

4 Things to Tell Your Boss If You Want to Work From Home

4 Things to Tell Your Boss If You Want to Work From Home

4 Things to Tell Your Boss If You Want to Work From Home

Advertiser Disclosure These days, more and more employees are working from home on a regular basis. In fact, Global Workplace Analytics says that about 2.8% of the total workforce work from home at least half time. Nearly all U.S. workers say they’d like to work from home at least part-time, and about half the workforce... Read More

3 Things That Can Get You Dropped From Car Insurance

3 Things That Can Get You Dropped From Car Insurance

3 Things That Can Get You Dropped From Car Insurance

Advertiser Disclosure We’ve explored some of the most common reasons car insurance policies are canceled: things like failing to pay the premium, fraud, making unapproved modifications that change the value and functionality of your car, having your license suspended or revoked, and major moving violations (especially DUIs or DWIs). But here we’ll explore some of... Read More

5 Things to Do Immediately If You Get in a Car Crash

5 Things to Do Immediately If You Get in a Car Crash

5 Things to Do Immediately If You Get in a Car Crash

Advertiser Disclosure A car crash can run the spectrum from a minor annoyance to a life-altering tragedy. And even if you’ve been in one before, the emotions and stresses associated can make it difficult to remember what to do in the immediate aftermath. We asked law enforcement officers, mechanics, auto insurance agents and legal experts... Read More

What to Do When You Get in a Crash with an Uninsured Driver

What to Do When You Get in a Crash with an Uninsured Driver

What to Do When You Get in a Crash with an Uninsured Driver

Advertiser Disclosure Auto insurance is compulsory in every U.S. state except New Hampshire. To legally drive a vehicle, motorists must carry their state’s minimum requirements. But not every driver follows the letter of the law. In fact, back in 2011, the Insurance Research Council found roughly 1 in 7 drivers on the road does not... Read More

Are E-Gift Cards Safe? Here’s What to Know

Are E-Gift Cards Safe? Here’s What to Know

Are E-Gift Cards Safe? Here’s What to Know

Advertiser Disclosure As the days disappear from the December calendar, panic can start to set in as last-minute gift shopping heats up. Increasingly, consumers are easing the tension by giving digital — digital gift cards, that is. Email gifts continue to skyrocket in popularity, with consumers preferring their ease of delivery, speed of purchase and “coolness,” according... Read More

The Safe Way to Buy Things on Craigslist

The Safe Way to Buy Things on Craigslist

The Safe Way to Buy Things on Craigslist

Advertiser Disclosure I was sure my husband had just been scammed, and that he would never see the $1,500 cash he had just spent on a dirt bike he found on Craigslist. He had driven about two hours from our home to buy the bike but when he tried to register it at DMV, he... Read More

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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