01
Who writes
Credit Proud uses an organization byline for house guides, templates, and explainers. Named individual bylines are reserved for contributors whose role and credentials can be shown clearly.
About the byline
Editorial team
Credit Proud articles are published under a transparent organization byline. We write consumer credit education from primary sources and update pages when official rules or guidance changes.
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How we source
Factual claims about deadlines, consumer rights, credit reports, and scoring factors are checked against primary or official sources first.
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How we update
Pages are revised when official agencies, laws, reporting practices, or cited sources change in a way that affects the guidance.
Primary source standard
What we trust first.
For credit-report access, score-factor percentages, debt-validation timing, dispute timelines, and federal consumer-credit laws, we prefer official government, regulator, or original-industry sources over blogs, roundups, and secondary summaries.
Core sources
- CFPB credit dispute timing — Consumer Financial Protection Bureau
- CFPB validation notice rules — Consumer Financial Protection Bureau
- FTC free credit reports — Federal Trade Commission
- Federal Reserve Truth in Lending Act — Federal Reserve
- myFICO score factors — myFICO
Limits
Education, not advice.
Credit Proud content is general consumer education. It is not legal, tax, financial, or credit-repair advice for an individual situation. For a lawsuit, identity-theft case, debt settlement, bankruptcy question, or state-specific limitations issue, speak with a qualified professional.
