Credit decisions affect people’s lives, so we hold our content to a simple standard: accurate, clear, and honest about what we know and don’t know. Here’s how every article is made.
1. Choosing topics
We write about the questions real readers ask about credit and money, based on search trends and reader questions. We won’t publish two articles that compete for the same question. Instead, we update the existing one.
2. Research and writing
Each article starts with research from current sources. We draft articles with the help of AI writing tools, in the voice of one of our four pen names: The Credit Coach, The Credit Hacker, The Debt Destroyer, or The Credit News Reporter. Pen names are editorial voices, not separate real people, and we never claim credentials they don’t have.
3. Fact-checking
- Every number and every claim credited to a source is checked against a published source before an article goes further.
- We prefer primary sources: the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), federal law such as the Fair Credit Reporting Act, the credit bureaus, FICO, and the Small Business Administration (SBA).
- Claims that can’t be verified are removed or rewritten. We don’t invent statistics, quotes, or examples presented as real.
4. Human review
Nothing is published automatically. Our founder, Michael Bradford, a former credit analyst, reviews every article before it goes live and decides whether it’s ready.
5. Keeping articles current
Credit rules and products change. We review older articles regularly, update them when facts change, and show a “Last updated” date on each article.
6. Independence
Some articles contain affiliate links. Partners never pay for coverage or see articles before publication. See our affiliate disclosure.
7. Corrections
If you spot an error, please email [email protected] or use our contact page. We correct mistakes promptly and update the article’s date when we do.
Not financial advice
Our articles are for education only and are not financial, legal, or tax advice. For decisions about your own situation, talk with a qualified professional.