How We Research and Cite Our Content

Our methodology is simple: explain one question clearly, cite public sources, and show the limits of what general information can tell you.

Sourcing

We prefer primary and authoritative public sources: the CFPB, the FTC, the Federal Reserve, the text of the FCRA, annualcreditreport.com, and bureau education pages. We avoid citing competitors, and we link to the source rather than paraphrasing it without attribution.

Writing

Guides are written for a general U.S. audience in plain language. We avoid jargon where a plain phrase works, define terms when we must use them, and keep claims specific and checkable.

Accuracy and updates

Every guide shows a review date. When public rules or limits change, we update the affected guide and the glossary rather than leaving a stale page in place. Score ranges, timelines, and fees are described as typical examples, not promises.

What we do not do

We do not fabricate statistics, reviews, testimonials, authors, or credentials. We do not give personalized financial advice, and we do not claim to improve, repair, or otherwise alter anyone's credit file or score.

Corrections

If you believe a page is inaccurate, contact us with the page URL and the source you are relying on. We review correction requests and update pages when a fix is warranted.