About CreditFicoScores.com
Who we are, why this site exists, and our commitment to accurate, sourced credit education.
Effective date:
What We Do
CreditFicoScores.com is a free educational resource dedicated to helping Americans understand and improve their FICO® credit scores. We publish guides, tools, calculators, and articles that break down complex credit topics into clear, actionable information.
Every factual claim on this site is sourced from official authorities: the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), Fair Isaac Corporation (FICO), the Federal Reserve, and the three major credit bureaus (Experian, TransUnion, and Equifax).
Why This Site Exists
Credit scores affect almost every major financial decision in American life: buying a home, getting a car loan, qualifying for a credit card, renting an apartment, and sometimes even getting a job. Yet most people don't fully understand how FICO scores work, what affects them, or how to improve them.
The internet is full of credit advice, but much of it is recycled, unsourced, or flat-out wrong. Myths like "checking your own credit hurts your score" or "you need to carry a balance to build credit" persist because they get repeated without anyone bothering to verify them.
We built CreditFicoScores.com to be different. Every piece of content follows a simple standard: if we can't source it to an official authority, we don't publish it. No made-up statistics. No unverified claims. No scare tactics.
Our Editorial Standards
- Answer first. When you land on a page, the answer to your question appears in the first one or two sentences. We don't bury the lead behind filler paragraphs.
- Source everything. Factual claims link back to their primary source. We cite government agencies, official FICO documentation, and credit bureau publications, not other blogs.
- Disclose financial relationships. Some links on this site are affiliate links that earn us a commission. We clearly disclose this on every page that contains them. Our recommendations are based on research, not commission rates. See our Affiliate Disclosure.
- No personalized advice. We are educators, not financial advisors. Our content is general information. Your situation is unique, and we always recommend consulting a licensed professional for personalized guidance. See our Financial Disclaimer.
- Keep it current. Credit scoring models, regulations, and product terms change. We display last-updated dates on articles and review content periodically to keep it accurate.
What We Cover
- FICO® Score Education: How FICO scores work, what affects them, score ranges, and how different scoring models compare
- Credit Repair: How to dispute errors on your credit report, how long negative items last, and honest assessments of credit repair services
- Credit Cards: Recommendations for different score ranges, comparisons, and application strategies
- Credit Reports: How to read your credit report, how to get free copies, and how to fix errors
- Specialty Credit Bureaus: The agencies beyond Experian, TransUnion, and Equifax that affect your banking, insurance, rental, and employment prospects
- Interactive Tools: Calculators and quizzes to help you estimate and plan
- Credit Glossary: Plain-English definitions for over 100 credit and finance terms
How We Make Money
CreditFicoScores.com is a free site. We earn revenue through:
- Affiliate partnerships: We earn commissions when readers click affiliate links and take action (sign up for a service, get approved for a card). This costs readers nothing extra.
- Display advertising: We show ads on some pages through ad networks.
We do not charge readers for access to any content or tool. Our full financial disclosure is available on our Affiliate Disclosure page.
Contact Us
Have a question, correction, or suggestion? We want to hear from you.
- General inquiries: Contact form
- Editorial corrections: editorial@creditficoscores.com
- Privacy questions: privacy@creditficoscores.com
We take corrections seriously. If you find an error in our content, email us and we'll investigate and update the page promptly.