CreditFICOScores.com
CreditFICOScores.com

Affiliate Disclosure

How CreditFicoScores.com earns money through affiliate partnerships, and how it affects our recommendations.

Effective date:

How We Make Money

CreditFicoScores.com earns revenue through affiliate partnerships. Some of the links on our site are "affiliate links," which means we may receive a commission when you click a link and take an action, such as signing up for a service or being approved for a credit card. This costs you nothing extra.

This is how we keep the site free. Affiliate revenue funds our content creation, site maintenance, research, and the development of free tools and calculators.

What This Means for You

When we link to a product or service using an affiliate link:

  • You pay the same price you would if you visited the company's site directly. Our commission comes from the company, not from you.
  • We clearly disclose affiliate relationships on every page that contains them. You will see a disclosure banner near the top of those pages.
  • Not every link is an affiliate link. When we link to government resources (CFPB, FTC, AnnualCreditReport.com), official FICO information, or educational sources, those are never affiliate links.

How Affiliate Relationships Affect Our Content

They don't determine what we recommend. Here's our editorial process:

  • We research first, monetize second. We identify products and services that are genuinely useful for our readers, then check whether an affiliate program is available. We never recommend a product just because it pays a commission.
  • We disclose downsides. If a product has fees, limitations, or drawbacks, we say so. Hiding the catches would erode reader trust, which is more valuable than any single commission.
  • We include non-affiliate options. When a free or non-commercial option exists (such as AnnualCreditReport.com for free credit reports), we recommend it alongside paid options.
  • Compensation does not influence rankings. When we compare products, we rank them based on features, value, user reviews, and suitability for different credit profiles, not by commission amount.

Our Affiliate Partners

We may earn commissions from companies in the following categories:

  • Credit monitoring services (for example, myFICO, Identity IQ)
  • Credit repair services (for example, Credit Saint)
  • Debt relief services (for example, National Debt Relief)
  • Credit card issuers (various banks and financial institutions)
  • Financial products and tools (budgeting apps, credit-building products)

The specific affiliate programs and partners may change over time. This list is not exhaustive.

FTC Compliance

This disclosure is made in accordance with the Federal Trade Commission's guidelines on endorsements and testimonials (16 CFR Part 255). The FTC requires that material connections between endorsers and the brands they promote be clearly disclosed to consumers.

We aim to go beyond the minimum requirements by making our financial relationships clear, visible, and honest.

Questions?

If you have questions about our affiliate relationships or editorial process: