FTC Disclosure

Affiliate Disclosure

Transparency is one of our core values. Here's exactly how CreditDoc earns money and what it means for you as a consumer.

Important Notice

CreditDoc.co is owned and operated by Cosmic Phoenix LLC. We earn compensation from some of the companies and products featured on this website. This compensation may impact how and where products appear on the site (including, for example, the order in which they appear in certain listings). However, this compensation does not influence our editorial ratings, reviews, or recommendations, which are based on our independent research methodology.

How We Earn Money

CreditDoc is a free consumer resource. We do not charge visitors to use our comparison tools, read our reviews, or access our educational content. To keep the site running and fund our research, we earn revenue in the following ways:

Affiliate Links

Some links on CreditDoc are "affiliate links." When you click on these links and subsequently sign up for a service, purchase a product, or complete another qualifying action on the third-party website, CreditDoc may receive a referral commission from that company. You pay nothing extra -- the price you see is the same whether you use our link or go to the company directly.

Referral Fees

Some companies pay us a referral fee when we send qualified visitors to their website, regardless of whether a purchase or sign-up is completed. This is sometimes called a "cost per click" (CPC) or "cost per lead" (CPL) arrangement.

Cost Per Acquisition (CPA)

In other cases, we earn a commission only when a visitor completes a specific action, such as signing up for a credit repair service or submitting a loan application. This is a "cost per acquisition" (CPA) arrangement. The commission amount varies by company and can range from a fixed fee to a percentage of the first month's service charge.

What This Means for You

You never pay more. Our affiliate partnerships do not increase the price you pay. The cost of a service is the same whether you reach the company through our site or directly.

Our opinions are our own. Compensation does not influence our editorial ratings, star scores, or written reviews. Our 5-factor rating system is applied consistently to every company we evaluate, regardless of affiliate status.

We feature companies without affiliate relationships. Not every company listed on CreditDoc pays us a commission. We include companies based on their merit and relevance to consumers, not based on whether they have an affiliate program.

We may earn negative reviews. If a company that pays us commissions provides a poor service, we will rate it accordingly. Affiliate revenue is never worth misleading our readers.

How to Identify Affiliate Links

On CreditDoc, affiliate links are typically found in:

  • "Visit Website" or "Get Started" buttons on review and comparison pages
  • Company name links that direct you to the company's website
  • Call-to-action buttons in "best of" listicle articles
  • Links within our editorial content that direct you to a company's sign-up page

These links may contain tracking parameters that identify CreditDoc as the referring source. If you prefer not to use affiliate links, you can always navigate to the company's website directly by typing their URL into your browser.

Placement and Ordering

The order in which companies appear on CreditDoc may be influenced by several factors, including:

  • Our editorial rating (primary factor)
  • Relevance to the specific page or comparison
  • Consumer popularity and search volume
  • Whether we have an affiliate relationship with the company

While affiliate relationships may influence placement (such as the order of listings), they never influence our ratings or editorial assessments. A company's star rating, pros/cons, and our written diagnosis are determined solely by our research methodology.

FTC Compliance Statement

This disclosure is made in compliance with the Federal Trade Commission's guidelines on endorsements and testimonials, specifically the FTC's Guides Concerning the Use of Endorsements and Testimonials in Advertising (16 CFR Part 255).

In accordance with FTC guidelines, CreditDoc.co hereby discloses that:

  1. We receive monetary compensation from some companies featured on this website.
  2. All opinions expressed on this website are our own and are not influenced by compensation.
  3. We have a material connection to the products and services mentioned on this site because we may receive a commission if you click a link and make a purchase or sign up for a service.
  4. We only recommend products and services that we believe provide value to our readers.

Partner With Us

Are You a Credit Repair Company, Lender, or Financial Service Provider?

CreditDoc reaches thousands of consumers actively searching for credit repair, personal loans, debt relief, and financial guidance. If you'd like to be featured in our directory, we offer several partnership options:

  • Free listing — We include companies based on merit, not payment. If you offer a legitimate service, you may already be in our research queue.
  • Affiliate partnership — We can set up a referral arrangement through major networks (CJ, ShareASale, Impact) or direct agreements.
  • Sponsored placement — Premium positioning in relevant category pages and comparison tables, clearly labeled as "Sponsored."
  • Exclusive promotions — Run limited-time deals, discount codes, or special offers featured on our Deals page.

All partnerships are subject to our editorial standards. We do not guarantee positive reviews and reserve the right to decline partnerships with companies that do not meet our quality criteria.

Contact Us About Partnerships

Questions About Our Disclosure

If you have any questions about our affiliate relationships, how we earn money, or how compensation affects (or does not affect) our editorial content, please contact us at contact@creditdoc.co.

This disclosure was last updated on March 19, 2026.