Home > Personal Finance > Credit.com in the News 10/6/12

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This week the experts from Credit.com spoke with the media about issues involving politics, credit scores, credit cards and debt. Check out the hits…

Which presidential candidate has the consumer’s back?

Credit.com co-founder and chairman Adam Levin gave his pick for the presidential candidate who’s better for consumers in a WTOP radio segment last week. You can hear his view on what the election means to consumers, plus valuable credit advice.


4 Lessons To Improve Your Credit Score

Credit.com’s director of consumer education, Gerri Detweiler talks to Forbes about the best ways to build your credit score. She offers several lessons on boosting credit scores, such as which cards to choose, having available credit, paying medical bills and closing accounts.

@GerriDetweiler @consumermayer @Forbes

6 Steps to Finding Your Best Credit Card

Gerri spoke to US News and World Report about how to find the right credit card. The first step Gerri suggests is to determine your own credit worthiness. Other important factors in choosing a credit card are matching them to your own usage, taking advantage of online promotions and holding out for a card that gives you the most benefits. Click through for the details.

@alphaconsumer @USNews

There are Ways to Remove Bad Credit Marks

Gerri lent her credit savvy to the Detroit Free Press when asked if it’s possible to remove negative hits to your credit report. Gerri explains that this can happen, but it will take some negotiating and there is no guarantee of success. She outlines who will likely get adjustments, how to get them and how to prove them.

@tomper @freep

Apps Keep You on Track for Holiday Shopping

Gerri spoke to CIO Today about financial apps to keep on track of holiday shopping. Gerri is a fan of these apps if they work for people and are being used. She personally likes to use Excel spread sheets and folders with receipts. It’s noted that there are some impressive new apps out there that make it easy for tech-minded folks to do their calculations. Finance experts agree that any method you have for keeping your finances in check is a good one.

@jayneodonell @ciomagazine

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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