Savings Accounts

How Much Does Your Family Need in Savings?

How Much Does Your Family Need in Savings?

How Much Does Your Family Need in Savings?

Advertiser Disclosure Family savings is something you’ve probably thought about on more than one occasion. It can be tricky to save anything while you’re busy making sure your family has what it needs day-to-day. Aside from providing a house, clothing, and daily meals, you may also need to pay for higher education for your kids,... Read More

How Do CDs Work?

How Do CDs Work?

How Do CDs Work?

Advertiser Disclosure Certificate of deposit (CD), savings account, money market, high-yield savings, what’s the difference? Let’s dig in to CDs and just what they are, how they work and whether this is the right savings vehicle for you.  Here, we’re talking about traditional CDs. There are other types, but here we stick to the traditional.... Read More

Why a Savings Account is Important

Why a Savings Account is Important

Why a Savings Account is Important

Advertiser Disclosure It may be surprising, but few Americans are saving. About 65% of Americans have little or nothing saved up. Here at Credit.com, we’re passionate about helping others secure their financial future. We want to help you save money, which is why we now offer savings and money market accounts through trusted FDIC insured... Read More

5 Reasons to Start a Savings Account Today

5 Reasons to Start a Savings Account Today

5 Reasons to Start a Savings Account Today

Advertiser Disclosure Whether you have begun working or not, opening a savings account is one of the most important steps you can take toward becoming financially independent and achieving your dreams. Here are five good reasons why you should start a savings account today. 1. To Start Building Wealth The road to financial freedom begins... Read More

21 Ways to Save $100 This Week

21 Ways to Save $100 This Week

21 Ways to Save $100 This Week

Advertiser Disclosure Every month you set a goal to save a small portion of your income, only to end up failing miserably. Sound familiar? Wouldn’t it be nice if we could all save money in the blink of an eye? Unfortunately, it’s a task that requires some effort, discipline and, most importantly, some sort of... Read More

4 Ways to Save Money on a Road Trip

4 Ways to Save Money on a Road Trip

4 Ways to Save Money on a Road Trip

Advertiser Disclosure For vacations, driving was usually our family’s method of transportation. If we could get there on roads, we’d pile into the car whether it meant two or 22 hours in close quarters. It was economical and it appealed those who feared flying (in my family that’s pretty much everyone). Here are some tips... Read More

6 Ways to Game Yourself Into Saving

6 Ways to Game Yourself Into Saving

6 Ways to Game Yourself Into Saving

Advertiser Disclosure The personal savings rate may be rebounding slightly, but there is little doubt most of our emergency funds could use a boost. According to the Bureau of Economic Analysis, Americans socked away 3.9% of their disposable income into savings in December. That’s a vast improvement from the 2% we saved in May 2005,... Read More

9 Ways to Harness Your Willpower to Save Money

9 Ways to Harness Your Willpower to Save Money

9 Ways to Harness Your Willpower to Save Money

Advertiser Disclosure A renowned piece of behavioral science research took place at Stanford University in 1972. The Washington Post describes it: Stanford University’s Walter Mischel sat 600 children down at a table with a marshmallow and gave them a choice: They could eat one marshmallow now, or wait 15 minutes and get two marshmallows. The... Read More

How Much Should I Save for College?

How Much Should I Save for College?

How Much Should I Save for College?

Advertiser Disclosure With three young energetic boys, the growing costs of college education weigh heavily on my mind. As a financial adviser with a reputation to maintain, ignoring these pending expenses is not an option for our family. Each year, I share updated age-based benchmarks we use to ensure that our 529 college savings plan is... 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