Editorial Standards

Editorial Policy

Our commitment to accuracy, independence, and consumer protection guides every review and listing on CreditDoc.

Editorial Independence

CreditDoc's editorial team operates independently from our business and advertising operations. Our ratings, rankings, and recommendations are never influenced by compensation arrangements.

Companies cannot pay for higher ratings, preferential placement in editorial content, or the removal of negative information. Affiliate relationships are disclosed transparently on every page where they exist. See our Affiliate Disclosure for full details.

Listing Criteria

Not every company that applies or is discovered will be listed on CreditDoc. We apply the following criteria:

Companies We List

  • Actively operating consumer financial service providers (credit repair, lending, debt relief, credit building, credit monitoring, pawn services, ATM networks)
  • Verified through government databases (FDIC, NCUA, HUD), public business registries, or direct website confirmation
  • Non-profit credit counseling agencies approved by HUD or accredited by the NFCC

Companies We Exclude

  • Companies with active FTC or CFPB enforcement actions for deceptive practices
  • Companies that charge upfront fees in violation of the Credit Repair Organizations Act (CROA)
  • Businesses that are not consumer financial services (retail stores, restaurants, etc.)
  • Companies that have ceased operations or are no longer accessible

Review Process

Each company listed on CreditDoc goes through a structured review process:

1

Data Collection

We gather information from government databases (FDIC, NCUA, HUD, CFPB), the Better Business Bureau, the company's own website, and verified user review platforms.

2

Verification

We verify the company is actively operating, confirm pricing directly from their website, and cross-reference regulatory records for any enforcement actions or complaints.

3

Analysis & Rating

We evaluate the company across five dimensions: Value, Effectiveness, Customer Service, Transparency, and Ease of Use. See our Methodology for scoring details.

4

Publication

The completed profile is published with clear pros, cons, pricing, and a factual description. Companies are notified and invited to verify their listing details.

5

Ongoing Monitoring

Listings are reviewed quarterly. Pricing is verified monthly. CFPB complaint data is updated daily. Companies with significant changes are re-evaluated promptly.

Sponsored Content & Advertising

CreditDoc clearly distinguishes between editorial content and advertising:

  • Affiliate links are identified in our Affiliate Disclosure and noted on individual review pages. Clicking these links may earn CreditDoc a commission at no cost to you.
  • Sponsored listings, if any, will be clearly labeled as "Sponsored" or "Ad" and will never be presented as editorial reviews.
  • Editorial content (reviews, comparisons, guides) is written by our research team and is never reviewed or approved by the companies being evaluated.

Corrections & Updates

We take accuracy seriously. If you believe any information on CreditDoc is incorrect, outdated, or misleading:

  • 1. Email us at contact@creditdoc.co with "Correction Request" in the subject line.
  • 2. Include the specific page URL and the information you believe is inaccurate.
  • 3. If possible, provide a source or documentation supporting the correction.

We will review all correction requests within 5 business days and update our content if the correction is verified.

Last updated: March 22, 2026 | CreditDoc is a property of Cosmic Phoenix LLC, a Wyoming limited liability company.