Freddy Pérez
Founder and publisher of CreditGuideHub
AI-assisted educational guides
Freddy Pérez is the founder and publisher of CreditGuideHub and the creator of Finvora Money, a personal-finance project on YouTube. He started CreditGuideHub to explain credit, debt, loans and budgeting in plain language, with real numbers and linked primary sources, so everyday Americans can make confident money decisions. He also runs FD Tax Multiservices in Houston, Texas, where he helps people review their credit reports and form LLCs. These guides are developed with AI assistance, use linked primary sources, and include illustrative calculations with clearly stated assumptions. They are not written or reviewed by a licensed financial adviser, and they do not provide personalized financial, legal or tax advice. Corrections can be requested at support@creditguidehub.com or through the Contact page.
Guides published by CreditGuideHub
Turn credit utilization into a payment plan
Calculate each card, the combined ratio, and the cash needed for a chosen target—without predicting score points.
Read your credit report with a three-column checklist
Separate unfamiliar information, possible mistakes, and accurate balances before deciding what to do next.
Prepare a credit-report dispute with an evidence map
Describe one factual error clearly, organize supporting records, and keep a response log.
Statement balance, current balance, and due date: a payment calendar
Use one fictional billing cycle to see which date protects your payment schedule and which balance you are looking at.
Balance transfers: calculate the fee and the payment needed before the offer ends
A $3,000 transfer, 3% fee, and 15-month offer show why a lower rate still needs a realistic payoff schedule.
Debt snowball versus avalanche: choose the order after protecting minimum payments
Compare a small low-rate balance and a larger high-rate balance using a fixed extra-payment budget and a transparent first-month example.
A debt payoff plan that survives an expensive month
Compare an affordable payment with an optimistic one, and see exactly what the simplified math assumes.
Compare personal loan offers by net cash received and total scheduled cost
A practical offer worksheet distinguishes a low payment from a lower cost and keeps withheld fees visible.
A withheld origination fee: calculate how much cash actually reaches you
Work through a 5% fee and distinguish a $4,000 loan from a loan that delivers $4,000 after the deduction.
FDIC insurance: check the bank and ownership category before counting coverage
A $200,000 checking account and $80,000 savings account illustrate why account labels alone do not create separate coverage.
Reconcile a bank statement: explain the difference before adding an adjustment
A $1,250 statement and $1,180 ledger can agree after timing items and a bank fee are handled correctly.
The 50/30/20 Budget Rule Explained
50% needs, 30% wants, 20% savings and extra debt payments, with a $3,000 take-home example.
Zero-based budgeting: assign the money, then check the dates
Allocate a fictional $2,600 take-home income without mistaking a zero unassigned balance for an empty bank account.
Variable-income budgeting: separate received money from optimistic forecasts
Use a $1,900 low month and $3,100 better month to test a plan before assigning income that has not arrived.
Make a paycheck bill map when monthly totals look fine but cash runs out
An original worksheet for matching the timing of income with the bills that arrive before the next payday.
Start an emergency fund with a reachable first expense, not an arbitrary promise
Test a $300 starter goal at $15 per week, distinguish planned bills from surprises, and protect access to the money.
Find recurring savings: calculate the net reduction before counting it
A subscription audit shows why removing $37 of charges may save only $25 once a necessary replacement is included.