Credit.com receives compensation for the financial products and services advertised on this website when our users apply for and sign up for one of them. The compensation does not play a role in the evaluation of the content of a product.
Thank you for choosing Credit.com. We hope you find the website and the journalism we produce useful. We wanted to take some time to tell you something about us.
The Credit.com editorial team consists of a team of editors and reporters with years of financial reporting experience. We have 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 some freelancers and more than 50 people (these are usually subject matter experts from finance, science, politics, economics and other fields).
We go to great lengths to ensure that the articles, videos, and graphics you see on Credit.com are thoroughly reported and factually verified. Each story is read by two different editors and we adhere to the highest editorial standards. However, we are not perfect. If you see something that you think is wrong, please email the editorial staff [at] recognition [dot] com,
The Credit.com editorial team strives to provide our readers and viewers with well-founded, well-reported, and understandable information that is designed to provide information and intelligence. We’re not going to tell you what to do. However, we will do our best to explain the consequences of various actions, so as to provide you with the information you need to make decisions that are in your best interests. We also write about things related to money and finance that we think are interesting and that we want to share.
In addition to appearing on Credit.com, our articles are published on 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 works in a similar way to the Associated Press or Reuters, except that we focus almost exclusively on personal finance issues. These are not advertorial or paid placements, but in most cases we make these articles available to our partners free of charge. These relationships create greater awareness of Credit.com in general and also lead to more traffic for us.
Our business model
Credit.com’s journalism is largely powered by an e-commerce business model. Rather than relying on revenue from display ad impressions, Credit.com maintains a financial market separate from its editorial pages. If someone navigates to these pages and applies for a credit card, for example, Credit.com will be paid a finder fee when that person receives the card. However, this does not mean that our editorial decisions are influenced by the products available on our market. The editorial team decides what and how to write about, regardless of the decisions and priorities of the corporate side of the company. In fact, we maintain a strict and critical firewall between the editorial department and the business department. Our mission as journalists is to serve the reader, not the advertiser. In this sense, we are no different from any other news organization that is supported by advertising revenue.
Credit.com visitors can also register for a free Credit.com account, which will give 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, which is updated twice a month. Again, this tool is completely free and we mention it a lot in our articles because we think it is good for users to access such data. Aside from its educational value, there is also a business aspect to the credit report card. Registered users can be matched against products and services for which they are most likely to qualify. In other words, if you register and find that your balance is less than excellent, Credit.com is not recommending a high-end platinum credit card that requires excellent credit. You will likely get rejected, and that’s not good for you or Credit.com. You wouldn’t be any closer to getting a product you need, there would be a wasted inquiry on your credit report and Credit.com wouldn’t get paid. These are essentially what are known as “targeted ads” in the world of the Internet. Despite all of this, the credit report card remains free even if you never apply for a product. This doesn’t affect how the editorial team reports on credit and credit scores.
After all, much of what we do is influenced by our own experiences as well as those of our readers. We want to tell your stories if you are interested in sharing them. Please email us with story ideas [at] recognition [dot] com with ideas or visit us on facebook or Twitter.
Thanks for stopping by.
– The Credit.com editorial team