The short version
FreeCreditTips.com earns money when you click on links to our partners and complete an action — like applying for a credit card, opening a bank account, or getting a loan. We are compensated by the financial companies whose products appear on our site. This compensation may influence which products we feature and where they appear. However, our editorial team independently researches and evaluates all products, and our compensation never influences our ratings or recommendations.
What we earn — and how
We primarily make money in two ways:
1. Affiliate commissions
When you click a link on our site and apply for or open a financial product — a credit card, personal loan, savings account, or credit monitoring service — we may receive a commission from that company. These are called affiliate links, and we route them through our own /go/ redirect system so we can track performance.
We mark affiliate links with rel="sponsored" in our HTML and display disclosure notices on pages containing these links.
The commission we earn does not increase the cost to you — it is paid by the financial company, not deducted from your account or offer.
2. Pay-per-lead referrals
On our Debt Relief pages, we collect contact information from readers who want a free consultation. We share this information with vetted debt relief and financial service partners, who pay us a referral fee. You will be contacted by a specialist, not by us directly.
You can see our Privacy Policy to understand exactly how your data is collected, shared, and protected: freecredittips.com/privacy.
What this means for our editorial content
We have a strict editorial policy: our content team and our commercial team operate independently. The fact that a company advertises with us does not guarantee a positive review, and companies that don't advertise with us are included in our comparisons if they offer strong value.
Our ratings and rankings are based on:
- Independent research and product testing
- User reviews and public data
- Objective criteria (rates, fees, terms, approval requirements)
- How well the product serves our specific reader personas
We do not accept payment to feature a product, guarantee a positive review, or remove a negative finding.
Why we're transparent about this
NerdWallet and Bankrate — the biggest sites in personal finance — operate the same model. The difference is that we tell you up front on every page containing affiliate links. We believe that transparency builds trust, and trust is the foundation of this entire site.
If you have questions about any specific recommendation or want to understand our methodology on a particular comparison page, contact us here.
Our commitment to you
- We will always disclose when a link is affiliate or sponsored
- We will never recommend a product we wouldn't use ourselves or recommend to a family member
- We will update our content when products change, even if the updated version is less favorable to our partners
- We will correct errors quickly and prominently when we find them
Last updated: August 2026