5 Financial Moves to Make in 2018

Personal Finance

5 Financial Moves to Make in 2018

5 Financial Moves to Make in 2018

It’s understandable if you drifted off course financially during the last couple months of the year. However, you don’t want bad money habits to follow you into the New Year. If your finances have slipped, it’s time to get back on track for 2018 and devise a plan to tackle your debt efficiently and effectively.... Read More

5 Great Credit Cards for Wine Rewards

Credit Cards

5 Great Credit Cards for Wine Rewards

5 Great Credit Cards for Wine Rewards

[UPDATE: Some offers mentioned below have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace. DISCLOSURE: Cards from our partners are mentioned below.] Wine is a drink for all occasions, perfect for relaxing at home or hitting the town with friends and family. And... Read More

10 Tips to Secure the Best Interest Rate on your Mortgage

Mortgages

10 Tips to Secure the Best Interest Rate on your Mortgage

10 Tips to Secure the Best Interest Rate on your Mortgage

The process of buying a home is a very involved one, and can be daunting, especially for first-time buyers. It’s often a whirlwind of paperwork, credit reports, and scrambling to tie up loose ends. One of the biggest factors that goes into calculating your monthly mortgage payment (other than the size of the loan itself)... Read More

5 Credit Cards for Raising Kids

Credit Cards

5 Credit Cards for Raising Kids

5 Credit Cards for Raising Kids

[UPDATE: Some offers mentioned below have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace. DISCLOSURE: Cards from our partners are mentioned below.] Raising children is expensive. According to the Department of Agriculture, the average annual cost per child in the United States is... Read More

Who Do I Call If I Lost My Social Security Card?

Identity Theft

Who Do I Call If I Lost My Social Security Card?

Who Do I Call If I Lost My Social Security Card?

If you lose your Social Security card, you’ll have to order a replacement card from the Social Security Administration (SSA). But unfortunately, a simple phone call will not do the trick. Instead, you will have to apply online using a my Social Security account or supply verification to a Social Security office in person or... Read More

12 Ways to Limit Travel Fees This Holiday Season

Personal Finance

12 Ways to Limit Travel Fees This Holiday Season

12 Ways to Limit Travel Fees This Holiday Season

No matter how you plan to travel this holiday season, someone might try to squeeze extra money out of you. Hotels, airlines, rental agencies, and others in the travel industry can have add-on fees that make your trip more expensive. But if you travel smart, you can avoid unnecessary costs. Here are 12 tips for... Read More

Your Guide to Holiday Tipping

Personal Finance

Your Guide to Holiday Tipping

Your Guide to Holiday Tipping

The holiday season is here, and you’ve been in a shopping frenzy, checking recipient after recipient off your list. But wait, did you forget someone? What about all those people who do everything you don’t have the time—or the skill—to do throughout the year, like maintaining your garden or pushing you through an early-morning gym... Read More

Show Me More

Certain credit cards and other financial products mentioned in this and other sponsored content on Credit.com are Partners with Credit.com. Credit.com receives compensation if our users apply for and ultimately sign up for any financial products or cards offered.

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