Publisher and scope
CreditGuideHub is published by Freddy Pérez. Its scope is general education about U.S. household credit and money management. A publishing-project byline does not imply a newsroom, licensed adviser, or financial institution.
AI assistance and source checks
AI assists drafting, organization, and code. This edition uses linked primary references from bodies such as the CFPB, FTC, FDIC, and FICO where relevant. A reference-check date indicates when the cited guidance was checked for this edition; it is not an assertion of a professional review or a permanent guarantee.
A source supports the specific topic for which it is cited. Our arithmetic examples and organizational worksheets are illustrative teaching material, not quoted government recommendations. Official links do not imply affiliation or endorsement.
Examples and calculations
Names, amounts, and scenarios used as examples are fictional unless expressly identified otherwise. Calculators show estimates under stated assumptions. Results can differ from creditor statements because of daily accrual, rounding, fees, reporting dates, or changing rates. No calculator on this site predicts a credit score or approval.
Publication dates and revisions
Dates describe this edition’s preparation or a substantive revision. They are not changed simply by rebuilding the website. The older generated collection was replaced with a narrower set of guides; obsolete pages are retired rather than kept as unsupported expert advice.
Corrections
To request a correction, send the page URL, the passage you believe is wrong, an explanation, and a public primary source when available. Never send Social Security numbers, bank credentials, account numbers, or private credit reports. A reported issue should be investigated before a correction is marked complete.
Commercial relationships
This edition contains no paid product reviews or active affiliate purchase links. A future sponsored or affiliate item must identify the relationship close to the recommendation and distinguish independently checked facts from vendor claims. A product must not be described as personally tested when it was not.