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No shame ✦ Just numbers ✦ Read the letter ✦ Dispute the error ✦ Know your rights ✦ Build the score ✦ Hold the line ✦ Live within means ✦ Pay yourself first ✦ Credit, proudly ✦
No shame ✦ Just numbers ✦ Read the letter ✦ Dispute the error ✦ Know your rights ✦ Build the score ✦ Hold the line ✦ Live within means ✦ Pay yourself first ✦ Credit, proudly ✦
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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.

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.

02

How we source

Factual claims about deadlines, consumer rights, credit reports, and scoring factors are checked against primary or official sources first.

03

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 timingCFPB validation notice rulesFTC free credit reportsFederal Reserve Truth in Lending ActmyFICO score factors
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.