Editorial Methodology

Our methodology is simple: start from primary sources, explain the rules accurately, and never promise outcomes we cannot control.

Sourcing

We prioritize U.S. government and non-profit sources — the CFPB, FTC, SSA, and the Annual Credit Report service — and link to them directly. We do not cite competitor marketing pages as evidence.

Review

Content is checked for accuracy, for plain language, and for compliance with our own language rules. We avoid implying that any product can guarantee a specific credit outcome.

Updates

Credit rules change. When they do, we revise the affected pages and update the published date shown on each page.