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Editorial policy and methodology

Money decisions matter. That is why we apply strict rules for accuracy, independence and transparency.

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Principles

  • Accuracy: every verifiable claim must be supported by a source.
  • Usefulness: we write to fully answer a real question, not to fill pages.
  • Independence: advertising and any commercial partners do not influence content.
  • Clarity: plain language, worked examples with real numbers, and explanations of the terms you will see in real documents.

Sources

We prioritize primary and official sources: the Consumer Financial Protection Bureau (CFPB), the FDIC and NCUA, the Federal Reserve Board, the Federal Trade Commission (FTC), the IRS and SBA, and the text of federal regulations on the eCFR. When we use information from a private company (for example, how FICO describes its scoring model), we say so. Every guide ends with its list of sources.

Publishing process

  1. Research: define the reader's question and consult official sources.
  2. Drafting: prepare a draft with examples and links to the sources.
  3. Fact-checking: check every figure, deadline and rule against its source.
  4. Editorial review: a reviewer confirms accuracy, clarity and that there is no personalized advice.
  5. Publication: the guide is published and added to the sitemap.

English and Spanish versions

Our English and Spanish guides cover the same topics but are written for each language, not translated word for word. Each page links to its counterpart in the other language.

Use of artificial intelligence tools

We may use AI tools to prepare drafts, review wording or check calculations. No text is published without human review of its data and sources. Responsibility for the content always rests with the editorial team.

Calculators

  • They use standard financial formulas, explained on each page.
  • The calculation code is tested against known cases (for example, the payment on a fixed-rate loan).
  • Default values are illustrative examples, not current market rates.
  • Each calculator lists its assumptions and limitations.
  • Calculations run in your browser: we do not store what you type.

Dates and corrections

Each guide shows its publication date and, if it changed substantially, its update date. We never change dates without changing content. If you spot an error, contact us; we fix verified errors as soon as possible.

What we do not do

  • We do not give personalized financial advice.
  • We do not invent testimonials, ratings, quotes or credentials.
  • We do not publish product rates or offers we cannot verify.
  • We do not accept payment for favorable coverage.