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Credit.com in the NewsThis week the experts from Credit.com contributed to a wide range of publications on subjects including taxes, identity theft, credit scores, credit cards and debt. Check out the hits…

Credit.com co-founder, Adam Levin spent last week on the west coast and stopped by some of his favorites news outlets to talk credit and identity theft. He weighed in on the very serious threat of identity theft in the form of online and phone questionnaires or contests with Diane Whitaker at KOMO Seattle. In this story two friends received phone calls offering them free Iphones in exchange for personal information. Adam explains that your personal information is as good as gold and that you should protect it as such. @komonews @Adam_K_Levin

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Adam continued on this topic with good friend and MSN columnist, Herb Weisbaum. They explain the “Smishing” phenomenon urge people to be mindful of any email, text, or phone call you receive that requests any of your personal information. Adam also points out that a phone is often no longer a phone, but acts as a computer that should be protected with the same security. @TodayMoney


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Our credit card expert, Beverly Harzog spoke to Business Insider editor Jill Krasny about the problem with over thinking the process of obtaining credit in an article titled “How I Learned to Stop Worrying and Embrace The Credit Card” . @BIYourmoney @BeverlyHarzog

Beverly also spoke to Susana Kim at ABC about what to expect when there’s a data breach at your credit card company or its payment processor. With the uptick in the amount of these breaches and how widespread they’ve become, it is cautioned for everyone with a credit card to take preventative steps to keep their credit and identity safe. @ABC @skimm

Visa is no longer using their debit card processor, Global Payments after its recent data breach Global Payments after its recent data breach, despite the processor’s assertion that the breach is “contained”. Beverly spoke to J. Scott Trubey at her hometown paper the Atlanta Journal Constitution about credit card data security risks. This is a new way to look at credit and unfortunately it’s a bit dark. @ajc @fitztrubey

Credit.com’s credit scoring expert Tom Quinn contributed to The New Jersey Star Ledger’s Biz Brain column, written by Karin Price Mueller. A reader’s credit limit was cut after her credit card company learned she was unemployed. She wondered if that would hurt her credit. The answer is yes, and Tom explains why. @nj_news @kpmueller

Want to speak with one of our experts? Email us at pr(at)credit.com.

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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.

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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.

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- The Credit.com Editorial Team