The 7 Most Important Articles Published by

If you regularly seek out personal finance information, you may remember a finance website called, which delivered “deep insights via data-driven articles, visualizations, and research tools.” The site also compared credit cards, mortgages, payroll services, CDs (certificates of deposit) and car insurance.

At some point in 2018, though, Credio went inactive. Any attempt to visit the website today returns the message, “This site can’t be reached.” While the site no longer exists, the work it published still had an impact, which is why we’re exploring the seven most important articles published on below.

The beginnings of

Credio belonged to a technology company called FindTheBest, which later became Graphiq. FindTheBest also owned 22 other sites, which created interactive infographics to provide vertical markets with information on different subjects. It’s not clear when was established. However, based on the site’s archived information, we guess that it launched in 2015.

Amazon acquires Graphiq

In May 2017, Amazon acquired According to a report written by Paresh Dave, writer for the Los Angeles Times, four sources at Amazon indicated that the acquisition aimed to “improve [Amazon’s] Alexa virtual assistant and other services.”

While the exact value of the acquisition is unknown, some sourcesindicated that the deal was closed at $50 million.

The 7 most important articles published by

We have identified seven of the most important articles ever published on Credio. We ascertained that these were the most influential articles by looking at the pieces which received the most backlinks from other websites.

1. Since 1971: How Much a Home Would Have Cost You

Posted on June 22, 2016, this article looked into the average 30-year fixed mortgage rates since 1971. According to the report, the average mortgage rate for the 45 years between 1971 and 2016 was 3.54%.

The article cites the Washington Post, which reported that in 2016 there were fewer properties for sale and a trend of rising home prices, which were being created by a seller’s market for homeowners. “On the other end, hopeful first-time buyers are entering a desirable borrowing market, where low mortgage rates give them an advantage,” the article stated.

Today, almost 50 years later, the coronavirus pandemic has forced rates to the lowest they’ve been in years. The 30-year fixed rate is 3.520% and the annual percentage rate (APR) is 3.740%. APR refers to the total rate of interest that investors get from what borrowers are charged, including fees.

2. Homeowners in These States Carry the Most Mortgage Debt

This article reported that “in 2008, just as the subprime crisis was coming to a head, Americans had $12.68 trillion in debt outstanding, of which housing debt made up $10 trillion, or 79% of the total.” It also states that “in the fourth quarter of 2015, there was $12.12 trillion in total debt, and housing’s share had dwindled to 72%, or $8.74 trillion.”

It looks like the situation this year is heading in the same direction as it did in 2008 and 2015. We recently reported on a recent survey by UBS that showed that 14% of respondents said that they might miss a payment, which may become a larger issue at some point.

3. The Cost of Child Care in Every State

Written by Christina Lavingia and published in April 2016, this article cited a ChildCare Aware of America report, which indicated that “11 million children under the age of 5 are in child care for an average of 36 hours per week in the United States.”

According to the article, the average household income spent on childcare for two children in the U.S. in 2014 ranged between 20% and 40%.

4. Consumers in These States Carry the Most Credit Card Debt

This piece noted that “essentially, we fall into two camps: those who swipe for rewards or ease, and those who swipe out of necessity.” According to the article, credit card debt is lowest during the tax season because taxpayers use their refunds to pay off part of their debt.

As expected, the piece notes that the holiday season creates “an uptick in household credit card burden.” It names Alaska, Virginia, Connecticut, and Hawaii as the states which carry the highest credit card debt.

5. 2015 U.S. Credit Card Satisfaction Report

This piece presented a summary of the conclusions of the 2015 U.S. Credit Card Satisfaction Report, which provides “objective, industry-level insights on credit cards based on a nationwide survey conducted between October 2014 and January 2015 of over 6,600 credit card consumers.”

The results showed that “Discover, American Express, and Barclays are the highest-rated credit card issuers, on average, in the eyes of American cardholders in terms of satisfaction.” At the bottom end lies Citibank, Bank of America, and Capital One.

6. The Secret to How Insurance Companies Make Their Money

According to the 2015 article, “The Secret to How Insurance Companies Make Their Money,” by Syed Hussain, “Insurance companies make money from two sources: Premiums collected from their customers, and earnings from investing those premiums.”

The article also explains how insurance companies invest in real estate and subsequently earn money from tenants. The writer ends the article by noting that it’s important to know how insurance companies make their money so that you can determine the quality of the company.

7. Oil’s Downfall Aided by the Rise of Fracking

This piece reported on the downfall of oil prices in 2016 following the increased oil supply in the market. It attempts to show the link between oil prices and economic growth in countries like Saudi Arabia that rely on the commodity and also showed how fracking has impacted the market.

The article notes that “with oil prices at $100 a barrel, Saudi Arabia’s economy was growing by more than 8% each year. With oil prices tumbling to less than $45 a barrel, that growth rate is now expected to slow to just 2.5% in 2016.”

What then happened to

It isn’t clear why Amazon decided to stop publishing What we do know is that the site stopped publishing in 2018, but it can still be a good source of information for certain topics, including the ones above.

Angelica Leicht

Mortgage Researcher

Angelica Leicht is a writer and editor who specializes in everything mortgage-related for Her work has spanned topics that include lending product reviews, interest rate trends, racial biases in mortgage lending and the role of fintech in lending practices, and has appeared in publications such as Interest, The Simple Dollar, Bankrate, The Spruce, Houston Press and VeryWell, among others.