Personal Finance

Our team of experts is here to help provide unbiased, common-sense personal finance advice & insights. Get money management tips & ideas, learn how to improve your budgeting and receive guidance on how to save & invest your money to drive greater returns. These are just some of the personal finance topics our experts address.


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COVID-19 Financial Resource Guide

COVID-19 Financial Resource Guide

COVID-19 Financial Resource Guide

Advertiser Disclosure Note: The following is not legal advice. Please consult a lawyer or your financial advisor to discuss your specific situation. Do you have questions about coronavirus and how its impacts your finances? The Credit.com team is here for you. We’re working to help provide you valuable information to help you stay financially safe... Read More

How to Manage Your Money While Unemployed

How to Manage Your Money While Unemployed

How to Manage Your Money While Unemployed

Advertiser Disclosure In times of turmoil, it’s easy to panic. Whether it’s due a global pandemic, recession, natural disaster or plain old capitalism, losing your job is a legitimate fear for many. If you’re preparing yourself for the worst or have recently lost your job, we have some tips to help you through. 1. Apply... Read More

How to Get Unemployment Benefits

How to Get Unemployment Benefits

How to Get Unemployment Benefits

Advertiser Disclosure Note: The information in this article is not legal advice. For current legal advice, please consult an attorney. For millions of Americans, unemployment benefits provide a lifeline during a difficult time. But collecting those benefits isn’t always simple. Unemployment claims are often denied, sometimes for avoidable reasons. Find out more how to increase... Read More

COVID-19 and Your Personal Finances: What You Need to Know

COVID-19 and Your Personal Finances: What You Need to Know

COVID-19 and Your Personal Finances: What You Need to Know

Advertiser Disclosure COVID-19 has hit the world hard. With over 200,000 cases in the US and counting, the public is being urged to stay in the safety of their homes to slow down the spread of the virus. And infection rates continue to accelerate, making everything feel a little uncertain. You probably know all of this... Read More

Splitting Bills with Roommates: Tips for a Positive Financial Friendship

Splitting Bills with Roommates: Tips for a Positive Financial Friendship

Splitting Bills with Roommates: Tips for a Positive Financial Friendship

Advertiser Disclosure Roommates come with many benefits. You might get the ability to rent a larger space, share cleaning duties or more easily find friends to watch a movie with. On the other hand, sharing a space with a roommate—or roommates—isn’t always easy. It can bring on some challenges, especially when it comes to money.... Read More

How Does Credit Repair Work?

How Does Credit Repair Work?

How Does Credit Repair Work?

Advertiser Disclosure Bad credit holding you down? Mistakes on your credit report might be to blame. Luckily, there’s a way to get those errors removed and take your credit—and your life—back. It’s called credit repair and it’s a process that focuses on making sure your credit report is 100% accurate and fair. Need Credit Repair... Read More

Your 2020 New Year’s Credit Resolutions

Your 2020 New Year’s Credit Resolutions

Your 2020 New Year’s Credit Resolutions

Advertiser Disclosure It’s finally time to ring in the New Year! You’ve probably made a few resolutions already—hit the gym, start up a new hobby or two, read at least 10 books. While those are all great resolutions, have you thought about your credit resolutions? Maybe your credit score isn’t where you want it to... Read More

4 Ways Health Insurance Can Save you Money

4 Ways Health Insurance Can Save you Money

4 Ways Health Insurance Can Save you Money

Advertiser Disclosure Many health insurance shoppers will consider premium costs when purchasing health insurance. The full cost of a health planalso includes your out-of-pocket expenses, like the deductible, copays, and coinsurance. As important as it is that your health plan is affordableand that the monthly premiums fit into your budget, it’s also important to consider the value health... Read More

How Long Does a Tax Lien Stay on Your Credit Report?

How Long Does a Tax Lien Stay on Your Credit Report?

How Long Does a Tax Lien Stay on Your Credit Report?

Advertiser Disclosure It’s a trick question, because as of April 2018, tax liens were all removed from credit reports. The bureaus took this step to protect the integrity of those reports. According to the Consumer Financial Protection Bureau, many judgments and liens were being reported incorrectly. That caused errors to credit reports not affiliated with the various debts in question. But... Read More

Best Credit Cards for Holiday Shopping

Best Credit Cards for Holiday Shopping

Best Credit Cards for Holiday Shopping

Advertiser Disclosure Is it ever too soon to start thinking about holiday shopping? By the time the first of December rolls around, it’s time to plan holiday decorating, party hosting and holiday presents. No matter what holiday you celebrate, it’s time to start collecting your loved ones’ holiday wish lists and begin budgeting for those... Read More

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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.

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