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Friday, October 23, 2026 Independent since 2026. We are not a lender.
Hub for Credit

Advertiser disclosure: some links on this page earn us a commission. It never changes what we publish, and it costs you nothing. How we make money

Editorial policy

This page sets out the rules an article has to meet before it is published on Hub for Credit, and what happens when one of them fails. It exists to be held against us: if a page does not follow what is written here, it gets corrected or taken down.

Sources we accept

Any claim about a rule, a rate, a deadline or a legal right needs a primary source. The list is deliberately short:

  • Consumer Financial Protection Bureau — consumer credit rules, complaint data, disclosure requirements
  • Federal Reserve and FRED — rate series, delinquency, household debt
  • Federal Trade Commission — credit reporting, freezes, fraud and scam guidance
  • IRS, SEC, USA.gov and other federal .gov domains
  • The credit bureaus and issuers themselves, when the subject is their own process or product

We do not treat a competitor’s blog, a content aggregator or a press release as a source of fact. When a number does not exist in a primary source, the article says so instead of estimating.

No market rate is typed by hand

This is the rule that is easiest to verify. Every rate shown on the site comes from the FRED collection and is rendered with its observation date and series code. A rate written into prose ages silently and turns into a misleading claim; a rate coming from the pipeline disappears from the page if the data disappears. Worked examples are different: they use round, illustrative rates and say so (“say your card charges 24%”), because the point is the arithmetic, not the market. Historical figures appear with their source and year.

The same applies to products. We name real cards and real issuers, but we publish only structural attributes — whether there is an annual fee, what kind of reward it pays, whether it charges foreign transaction fees, who it is built for. We do not publish an APR, a sign-up bonus or a credit limit for a named product, because those are exactly the numbers that go stale.

How articles are produced and reviewed

Each guide is checked against a production contract before it goes live. It rejects, among other things, sources outside the list above, rates written in prose, promises of approval, and language that suggests we are the lender.

We use AI tools to research, draft and edit. Before publication, every factual claim is checked against the primary source it cites, every worked example is recalculated, and the piece is checked against the rules on this page. We do not claim personal experience, product testing or credentials we do not have. What makes an article trustworthy is where the numbers came from and whether the source is primary; when either fails, the article is corrected and the date recorded.

Commercial independence

  • Commission does not change an assessment. When a product is a poor fit, the page says so whether or not it pays us.
  • Products with no commercial relationship appear on the same terms as those that have one.
  • Every page carrying a paid link discloses it at the top, before the content, not buried in the footer.
  • We do not sell placement in a comparison, and we do not publish sponsored articles presented as editorial.

What we will not publish

  • Promises of approval, of a specific limit, or of a guaranteed score increase
  • Credit repair pitches, or anyone charging a fee before delivering a service — that is the signature of advance-fee fraud
  • Personalized financial advice. We do not know your income, your file or your obligations, and credit decisions depend on all three
  • A comparison with a single winner where no universal winner exists. If the answer depends on the case, the article says what it depends on

Dates and updates

Rate blocks carry the observation date from the source series, which is not the date you are reading the page. Guides about a rule or a process carry the date they were last reviewed. We only mark a page as updated when the content actually changed — republishing over a comma and announcing an update is the kind of signal that erodes trust.

Corrections

If you find something wrong or out of date, write to us through the contact page with the URL and the specific point. We correct it and record the revision date on the page. Where a correction changes the meaning of what we said, we say what changed rather than editing silently.

How we report

Every article is checked against primary sources: the Consumer Financial Protection Bureau, the Federal Reserve and issuer terms. When a number changes, we update the piece and say when.

How we make money

Some pages contain partner links that may earn us a commission. This never changes what we publish and costs you nothing. No lender pays for placement or for a better review, and nobody outside our editorial team sees a piece before it runs.

What we are not

Hub for Credit publishes independent information about credit cards, loans, and consumer finance. We are not a bank, a lender, or a card issuer, we do not extend credit, and we do not broker applications. Nothing here is personalized financial advice.