About us
Hub for Credit publishes what the American credit market actually charges, taken straight from Federal Reserve series and printed with the series code next to it, so any reader can check the number against the source.
Who publishes this
The site is operated by EGITEK TECNOLOGIA LTDA, a company registered in Brazil under CNPJ 50.887.179/0001-19. We say that plainly because readers of a finance site deserve to know who is behind it. Publication began in September 2026.
We are not a bank, a lender, a card issuer or a broker. We do not extend credit, we do not take applications, and we do not sell your information to lenders.
Where the numbers come from
No rate on this site is typed by hand. Every figure is pulled from FRED, the economic data service of the Federal Reserve Bank of St. Louis, and rendered by a block that carries the observation date and the series identifier. We track seven series:
- TERMCBCCINTNS — credit card APR, accounts assessed interest
- TERMCBCCALLNS — credit card APR, all accounts
- TERMCBPER24NS — 24-month personal loan APR
- TERMCBAUTO48NS — 48-month new car loan APR
- MORTGAGE30US — 30-year fixed mortgage rate
- FEDFUNDS — federal funds effective rate
- DRCCLACBS — credit card delinquency rate
Printing the series code is the point. It turns a claim into something you can verify in about ten seconds, and it is the difference between a number and a number you can trust. The full pipeline is described on our methodology page.
What we actually do
We explain the system that decides your credit: how a score is built, what a lender sees, what a product costs once fees are counted, and when a product does not make sense at all. When the honest answer is “this is a bad deal for most people,” that is what the page says.
We also build tools. The calculators show what a balance really costs at a given APR, what minimum payments do to a payoff timeline, and how a loan amortizes — arithmetic that lenders rarely put in front of you.
How our articles are produced
Every piece is written against a production contract that is checked before publication. Sources must come from a short list of primary authorities: the Consumer Financial Protection Bureau, the Federal Reserve, the Federal Trade Commission, the IRS, the SEC and other federal .gov domains. Rates may not appear in prose — only through the block fed by the data pipeline. Claims without a verifiable source do not pass.
Articles are researched, drafted and edited with AI tools, inside those rules. Before a piece goes live, each factual claim is checked against the primary source it cites, every worked example is recalculated, and the text is checked against our editorial policy. When a rule changes or a reader shows us an error, we correct the page and record the date. We would rather say this plainly than leave it ambiguous: what makes an article trustworthy is where its numbers came from and whether they were checked.
Naming real products
We name real issuers and real cards, because a guide that refuses to say “Chase” is not useful. What we will not do is state a number about a specific product — an APR, a bonus, a credit limit — because those change constantly and a stale number on a finance page is not an error, it is a misleading claim. For current terms, go to the issuer.
How we are funded
The site is free and supported by advertising and by partner links that may pay us a commission. That payment does not change what we publish. A product is not rated better because it pays, products with no commercial relationship appear on the same terms, and any page containing a paid link says so at the top, above the content. This is set out in full in our editorial policy.
Corrections
Rates, fees and rules change often, and an error on a finance page costs the reader money. If you find something wrong or out of date, write to us through the contact page with the URL and the specific point. We fix it and record the revision date on the page itself rather than editing quietly.