Some links on this site are affiliate links. If you click one and get approved for a product, the company may pay us a commission. It costs you nothing, and it’s how the site stays free with no paywalls, no “premium” tier, and no selling your email address.
What that means in practice
- When you see a button or link to apply for a card, loan, or service, assume we may be paid if you follow it. Pages with these links carry a disclosure.
- Commissions never change a rating or a ranking. Our Editorial Methodology sets the criteria before any partnership exists.
- We recommend products that pay us nothing when they’re the better choice — and say “don’t buy anything” when that’s the honest answer, which in credit repair it often is.
What we don’t do
- No sponsored rankings — position on a list can’t be bought
- No hiding better options because they don’t pay
- No lead-selling: our calculators don’t collect your information
The formal version is on our Affiliate Disclosure page.