Who writes our content
Articles are published under the name of Jonathan Seal, the founder, and he's responsible for everything on the site. We use research and writing tools, AI among them, to gather sources and draft. Nothing is published until it has been checked against its sources and edited to the standards on this page.
Where our information comes from
Primary sources first: the Consumer Financial Protection Bureau, the Federal Trade Commission, the Federal Reserve, the three credit bureaus, FICO and VantageScore, and the terms that lenders and card issuers publish themselves. We link to them where it helps you check a point yourself.
How we check facts
- Every rate, fee, law or rule we state is checked against a current source before it's published.
- Product details on comparison pages are checked against the provider's own site.
- Figures that change, such as APRs and savings rates, carry the date they were checked.
- If we can't confirm something, it comes out.
What we won't do
- Promise a credit score, an approval, or an amount you'll save. Nobody honestly can.
- Describe any option without its costs and downsides.
- Publish made-up reviews, testimonials or ratings.
- Let a lender, card issuer or other partner write, review or approve what we say.
How we keep pages current
Rates and offers change, so we review comparison pages and articles regularly, and sooner when a rule or rate behind them changes. The date at the top of a page shows when it was last updated.
How we choose and rate products
We include products we think are worth a look for the situation a page is about, and we rate them on their costs, terms and who they suit. Some providers pay us when you apply through our links. That never decides what we include, how we rate it, or what we say about it. How we rate products and how we make money explain more.
Corrections
If you spot a mistake, email hello@freecredittips.com with the page and what's wrong. We check every report, fix what's confirmed, and update the date on the page.
General information, not advice
What we publish is general information, not financial, legal or tax advice for your situation. For advice on your own finances, talk to a qualified professional, such as a nonprofit credit counselor or an attorney.