Investing

Is Investing During Coronavirus a Good Idea?

Is Investing During Coronavirus a Good Idea?

Is Investing During Coronavirus a Good Idea?

Advertiser Disclosure The coronavirus bear market might look appealing to some. But for many, the economic changes that come with COVID-19 cause anxiety and uncertainty. Investing during coronavirus, when you can buy stock or other assets for lower prices, might sound like mathematical sense, but is it right for you? Start with the information below—and... Read More

The Complete Guide to Buying a Vacation Home in Retirement

The Complete Guide to Buying a Vacation Home in Retirement

The Complete Guide to Buying a Vacation Home in Retirement

Advertiser Disclosure It’s been a goal for decades—a vacation home—and now it’s time to realize that goal. And while you should absolutely seize this opportunity, there are a lot of details to figure out before buying a vacation home during retirement. Here’s what you need to know about owning a vacation home from start to... Read More

A 26f Plan for Tax-Deferred Investing

A 26f Plan for Tax-Deferred Investing

A 26f Plan for Tax-Deferred Investing

Advertiser Disclosure American employers offer 401(k) or 403(b) retirement plans to 57% of the American workforce.1 And 91% of employees with access to an employer-sponsored retirement plan, participate by making pre-tax contributions through payroll deductions.1 The 43% of the American workforce without access to a 401(k) or 403(b) retirement plan look for other tax-deferred alternatives, including IRAs,... Read More

Is a Fixer-Upper Home Worth the Investment?

Is a Fixer-Upper Home Worth the Investment?

Is a Fixer-Upper Home Worth the Investment?

Advertiser Disclosure Buying fixer-upper homes is currently a popular investment in the housing market, especially since lower-priced houses increase housing confidence in home buyers. On the one hand, it is a great way to purchase a home below market value and sell it for more than you paid. On the other hand, it often seems... Read More

15 Reasons to Invest After Retirement

15 Reasons to Invest After Retirement

15 Reasons to Invest After Retirement

Advertiser Disclosure The time has finally come: you’re ready to retire. For many, this means living off savings or social security, but in reality, now that you’re unemployed it’s time you started making real money. Investing after retirement is a great way to continue making income, cover expenses in lieu of a regular paycheck, and... Read More

3 Credit Cards for Retirement Investing

3 Credit Cards for Retirement Investing

3 Credit Cards for Retirement Investing

Advertiser Disclosure The age of the pension has swiftly declined since the 1980s, and more Americans than ever before must invest in their own retirement. Retirement planning and investing is crucial, as it can help you get through your golden years comfortably. When you have many other financial obligations, it can be difficult to set... Read More

The Widow or Widower’s Guide to Social Security Benefits

The Widow or Widower’s Guide to Social Security Benefits

The Widow or Widower’s Guide to Social Security Benefits

Advertiser Disclosure The loss of a spouse is devastating, and in that situation, the last thing you want to worry about is money. Unfortunately, as a widow or widower, money is often one of the most important things to think about. And Social Security benefits are usually one of the first—and trickiest—financial resources to navigate.... Read More

What to Do If Your Company Doesn’t Offer a Retirement Plan

What to Do If Your Company Doesn’t Offer a Retirement Plan

What to Do If Your Company Doesn’t Offer a Retirement Plan

Advertiser Disclosure The ability to divert part of your paycheck to an investment account and build a nest egg is a huge advantage in the grand scheme of life. In fact, much of the American workforce relies on employer-sponsored retirement plans to do so. But while we think of retirement accounts as part of a... Read More

Can I Invest in Trump’s Companies?

Can I Invest in Trump’s Companies?

Can I Invest in Trump’s Companies?

Advertiser Disclosure Q. Is there a way to capitalize on all of Donald Trump’s businesses? I expect he will make policies more favorable for his companies. I want in! — I want in! A. President-elect Trump is expected to have a huge impact on the economy. Before we discuss his businesses, let’s look at the... Read More

Should I Invest Internationally?

Should I Invest Internationally?

Should I Invest Internationally?

Advertiser Disclosure Q. I’m 50 and I hope to retire at 60. How much of my portfolio should be in international investments, and with what focus? — Trying to prepare A. We’re glad to hear you’re saving and investing, but the answer to your question isn’t that simple. For starters, keep in mind that all... 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