5 No-Heat Meals That Will Save You Money This Summer

Personal Finance

5 No-Heat Meals That Will Save You Money This Summer

5 No-Heat Meals That Will Save You Money This Summer

This summer, try preparing no-heat meals to save money on air conditioning and expensive foods that require heat. Using your stove and oven in the summer can release extra heat into your home — the last thing you want during the warmest months. This extra heat means turning up your air conditioning, resulting in extra... Read More

4 Credit Cards That Can Help You Save for a Car

Credit Cards

4 Credit Cards That Can Help You Save for a Car

4 Credit Cards That Can Help You Save for a Car

[DISCLOSURE: Cards from our partners are mentioned below.] The more you save up for a down payment on your next car, the better off you’ll be financially when you drive off the lot. A bigger down payment can reduce the amount you need to borrow,  increase the range of cars you can afford and even... Read More

6 Credit Cards for New Homeowners

Credit Cards

6 Credit Cards for New Homeowners

6 Credit Cards for New Homeowners

[DISCLOSURE: Cards from our partners are mentioned below.] Buying a home is one of life’s biggest financial events and someone with a new mortgage may primarily be focused on how they’ll afford their new mortgage payment. But it takes more than a mortgage to make a home, with additional expenses such as furniture, remodeling projects... Read More

8 Common Credit Card Mistakes You Might Be Making

Credit Cards

8 Common Credit Card Mistakes You Might Be Making

8 Common Credit Card Mistakes You Might Be Making

Do you have a credit card in your wallet? Chances are, you do. And if you’re one of these plastic carriers, you probably want to be using that card the best possible way, right? Well, you may be making some mistakes without even realizing it. To help, we’ve rounded up eight common mistakes to help you discover... Read More

8 Ways to Avoid Early IRA Withdrawal Penalties

Personal Finance

8 Ways to Avoid Early IRA Withdrawal Penalties

8 Ways to Avoid Early IRA Withdrawal Penalties

Qualified retirement plans are designed to be used solely for retirement income. Taxable withdrawals from these plans before age 59.5 are generally assessed an additional 10% “early distribution tax” by the IRS. (The additional tax for SIMPLE IRA plans is 25% in the first two years of participation, and 10% thereafter). However, there are exceptions... Read More

10 States Facing the Most Foreclosures Right Now

Personal Finance

10 States Facing the Most Foreclosures Right Now

10 States Facing the Most Foreclosures Right Now

This summer there’s some good news. June foreclosure activity has dropped to its lowest level since November 2015. In June 2017, there were a total of 73,828 U.S. properties with a foreclosure filing, down 22% from a year ago and even more from previous years. This is all according to ATTOM Data Solutions, curator of... Read More

9 State Parks Perfect for Camping on a Budget This Summer

Personal Finance

9 State Parks Perfect for Camping on a Budget This Summer

9 State Parks Perfect for Camping on a Budget This Summer

A warm bonfire, toasty s’mores, a starry sky. Isn’t it time you went camping? With student loan and credit card debt weighing many of us down, it might seem like a vacation is out of reach. But camping is the perfect way to adventure on a budget. Instead of sticking to national parks, though, consider... Read More

50 Ways to Save at the Supermarket

Personal Finance

50 Ways to Save at the Supermarket

50 Ways to Save at the Supermarket

Whether you’re an expert home chef making culinary masterpieces or a kitchen novice whose idea of home cooking is boxed mac and cheese, you’ve got to hit the supermarket to stock the kitchen. Grocery expenses add up, and you might be looking for ways to avoid sticker shock at the cash register. Here are 50... Read More

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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.

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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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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.

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Credit.com is owned by Progrexion Holdings Inc. which is the owner and administrator of a number of business related to credit and credit repair, including CreditRepair.com, and eFolks. In addition, Progrexion also provides services to Lexington Law Firm as a third party provider. Despite being owned by Progrexion, it is not the role of the Credit.com editorial team to advocate the use of the company’s other services. In articles, reporters may mention credit repair as an option, for example, but we’ll also be sure to note the various alternatives to that service. Furthermore, you may see ads for credit repair services on Credit.com, but the editorial team isn’t responsible for the creation or implementation of those ads, anymore than reporters for the New York Times or Washington Post are responsible for the ads on their sites.

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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.

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- The Credit.com Editorial Team