How Late Can I Pay a Bill Before It Hurts My Credit?

Credit 101

How Late Can I Pay a Bill Before It Hurts My Credit?

How Late Can I Pay a Bill Before It Hurts My Credit?

It’s always frustrating to come across a bill and realize it was due yesterday… or last week. If you’re late on a payment or if you miss it completely, you could end up paying late fees and negatively impacting your credit score. It can be especially difficult if you want to apply for a loan... Read More

Top 5 Reasons to Use Chase Pay

Personal Finance

Top 5 Reasons to Use Chase Pay

Top 5 Reasons to Use Chase Pay

It is no secret that these days, the finance industry is visibly different from what it was a mere ten years ago. From innovations in payments to innovations in how you relate with your bank to changes in how your bank relates with you, financial institutions are defying the restrictions that once defined them for... Read More

Buying a Car From the Dealership? Here’s What to Bring With You

Auto Loans

Buying a Car From the Dealership? Here’s What to Bring With You

Buying a Car From the Dealership? Here’s What to Bring With You

You’ve done your research, checked your credit reports to make sure they’re accurate, and you’re ready to get serious about buying a car. You feel more than ready to sign on the dotted line and drive home in your new ride. It could happen. Or, you could drive home in your old vehicle, kicking yourself... Read More

Don’t Be Afraid of Your Credit Score. Check Yours Today for Free

Credit Score

Don’t Be Afraid of Your Credit Score. Check Yours Today for Free

Don’t Be Afraid of Your Credit Score. Check Yours Today for Free

With Halloween just around the corner, most Americans are looking forward to all sorts of spooky excitement. Jack-o-lanterns, costumes, candy, and parties. But one thing that might scare some people this Halloween is checking their credit score. According to the Annual Credit Score Survey produced by the Consumer Federation of America and VantageScore Solutions, 57... Read More

Student Loan Scams to Watch Out For

Student Loans

Student Loan Scams to Watch Out For

Student Loan Scams to Watch Out For

As things stand now, there are more than 44 million people who collectively owe a whopping $1.5 trillion in student loan debt in the U.S Clearly, this is an issue that needs to be addressed. The problem is that there just aren’t enough jobs for these graduates to try and offset their student loan debts... Read More

7 Effective Ways to Lower Your Student Loan Payments, Build Credit, and Other Financial Tips for Students

Student Loans

7 Effective Ways to Lower Your Student Loan Payments, Build Credit, and Other Financial Tips for Students

7 Effective Ways to Lower Your Student Loan Payments, Build Credit, and Other Financial Tips for Students

Maybe you’ve recently graduated and you’re feeling trapped by your student loan payments. Maybe you’re unemployed or going back to school or trying to plan your financial future with your spouse. Whatever the reason — job loss, pay cut, unexpected expense, or not enough savings — paying off student loans can feel like trying to... Read More

Student Loans and Applying for Financial Aid

Student Loans

Student Loans and Applying for Financial Aid

Student Loans and Applying for Financial Aid

The year is 2018, and there are 44 million Americans currently in debt valued at over $1.5 trillion. Today, student loan debt is the second largest consumer loan debt category, coming behind mortgage debt and above credit cards and auto loans. To provide a bit of perspective, this means that the average loan debt of... Read More

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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).

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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.

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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.

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- The Credit.com Editorial Team