Last updated: April 2026
BuildBetterCredit.org is a free educational website dedicated to helping consumers understand and improve their credit, compare financial products, and prepare for major financial milestones like homeownership. We provide this information at no cost to you.
To keep this site running and continue producing high-quality educational content, BuildBetterCredit.org participates in affiliate marketing programs. This means we may earn a commission or referral fee when you click on certain links on our site and subsequently apply for, purchase, or sign up for a product or service.
No extra cost to you: You will never pay more for a product or service because you accessed it through a link on our site. Affiliate commissions are paid by the product or service provider, not by you.
Our content is editorially independent: While the compensation we receive may influence which products are featured on our site, the placement of products on a page, and the order in which they appear, it does not influence our editorial opinions, ratings, or the factual accuracy of our educational content. Our comparison articles and guides are written to provide balanced, useful information regardless of whether a product has an affiliate relationship with us.
We feature products we believe in: We aim to only feature categories of products and services that we believe may be genuinely useful to consumers seeking to build credit, manage debt, or prepare for homeownership. However, we cannot guarantee any specific outcome from using any product or service featured on this site.
Our site may feature affiliate links in the following categories of financial products and services:
Credit cards: Including general rewards cards, travel cards, cashback cards, balance transfer cards, student cards, and premium cards. We may earn a commission when you are approved for a credit card after clicking a link on our site.
Secured credit cards: Cards designed for consumers with limited, fair, or damaged credit. We may earn a commission when you are approved for and fund a secured card after clicking a link on our site.
Credit-building tools: Including credit-builder loans, credit-builder lines of credit, credit monitoring services, and score improvement tools. We may earn a commission when you sign up for or subscribe to these services after clicking a link on our site.
Personal loans: Including debt consolidation loans, personal loans for various credit profiles, and peer-to-peer lending platforms. We may earn a commission when you submit a loan application or are approved for a loan after clicking a link on our site.
Mortgage-related services: Including biweekly payment programs, mortgage refinancing, and homebuyer preparation services. We may earn a commission or referral fee when you enroll in a program or submit an inquiry after clicking a link on our site or submitting a form.
Our editorial process is designed to serve readers first. Here is how we approach content creation:
Research-based: Our guides and educational articles are based on publicly available information from consumer finance authorities, government resources, and established financial education principles.
Comparison-focused: When we compare categories of products, we aim to present relevant features, typical fee structures, eligibility requirements, and use cases to help you evaluate which type of product may be appropriate for your situation.
Regularly reviewed: We periodically review our content to ensure it remains accurate and up to date. Financial products and their terms change frequently, so we encourage you to verify all details directly with the product provider before applying.
Not personalized financial advice: Our content is educational in nature. We do not provide personalized financial, legal, or tax advice. We recommend consulting with a qualified professional before making significant financial decisions.
In accordance with the Federal Trade Commission's guidelines on endorsements and testimonials (16 CFR Part 255), we disclose our material connections with the companies whose products or services may be mentioned on this site. This Affiliate Disclosure page, along with the disclosure notices included on individual pages throughout the site, serve as our good-faith effort to comply with FTC requirements.
Links on our site that lead to third-party products or services and are part of an affiliate program may be identified by disclosures on the page, within or adjacent to comparison tables, or in the footer of the page. In some cases, affiliate links may be denoted by attributes in the link code (such as "sponsored" or "nofollow" tags) that are not visible to you but serve to properly identify the nature of the link for search engines and regulatory compliance.
Not every product or service mentioned on this site is part of an affiliate program. In some cases, we reference products, services, or resources simply because they are relevant and useful to our readers. For example, we may link to government resources, free credit report services, or educational tools without any compensation.
You are never obligated to click on any link on our site, and you are always free to navigate directly to any product or service provider's website independently. Our goal is to be a helpful starting point for your research, not the only source of information you use when making financial decisions.
We may update this Affiliate Disclosure from time to time as our affiliate relationships or business practices change. When we make updates, we will revise the "Last updated" date at the top of this page.
If you have questions about our affiliate relationships or this disclosure, please contact us at:
BuildBetterCredit.org
Email: info@buildbettercredit.org