CreditCostGuide
About CreditCostGuide
Learn how CreditCostGuide approaches educational financial content, editorial standards, and reader-first explanations.
About
Who runs this site
CreditCostGuide was created by Javi Pérez, a technology professional and editorial site builder based in Almería, Spain. Javi builds independent financial-education sites that help U.S. consumers compare borrowing costs using verified public data — not affiliate-driven product recommendations.
Important disclaimer: Javi Pérez is not a licensed financial advisor, CPA, CFP, or loan officer. Nothing on this site constitutes financial, legal, or tax advice. Consult a licensed professional for guidance specific to your situation.
Connect with the editor: https://www.linkedin.com/in/javi-perez-guides
Coverage
What this site covers
CreditCostGuide is organized around the major U.S. consumer-finance cost categories, each anchored by a long-form pillar guide and supported by calculators and explainer articles:
- Personal loans — APRs, origination fees, prepayment, debt consolidation.
- Credit cards — interest charges, annual fees, rewards math, balance transfers.
- Mortgages — rates, points, PMI, escrow, closing costs, affordability rules.
- Credit scores — how scores are calculated, how they translate to rates.
- Banking fees — overdrafts, ATM, wires, minimums, no-fee alternatives.
- Debt payoff — avalanche vs. snowball, cash-flow planning, consolidation.
- Refinancing — break-even math for mortgages, autos, personal, and student loans.
- Student loans — federal vs. private, refinancing, repayment plans.
Five interactive calculators (loan payment, credit-card interest, mortgage, debt payoff, credit utilization) sit alongside the guides for quick scenario testing. All calculator math is implemented in plain JavaScript using standard amortization formulas readers can verify against any public source.
Method
How we research
The sourcing hierarchy on this site is deliberate, in order of precedence:
- CFPB (Consumer Financial Protection Bureau) — complaint data, consumer protections, regulatory disclosures.
- Federal Reserve — interest rates, consumer surveys, household debt and credit reports.
- FDIC — national bank rate tables, deposit data, insurance limits.
- BLS (Bureau of Labor Statistics) — inflation, CPI, wage data context.
- SEC — investment-product disclosures and filings where relevant.
- Industry reports cited explicitly when used (e.g., Experian, FICO, NerdWallet rate tables) and never as primary sources for regulated products.
Pages are reviewed quarterly. The "Last reviewed" date in each editor byline reflects the most recent verification pass. When a reader emails a correction, the page is updated and the dateModified field in its Article schema is bumped immediately. See our editorial methodology for the full process.
AI Disclosure
How content is produced
This guide was created with AI-assisted drafting and human editorial review by Javi Pérez. Figures, examples, and explanations are checked against public sources including CFPB, the Federal Reserve, FDIC, BLS, FTC, and SEC where applicable. Content is reviewed quarterly. Specifically: drafts are produced with large-language-model assistance using publicly documented prompts, then revised, fact-checked against the linked sources, and edited by Javi before publishing. AI is not used to generate fake statistics, fake quotes, or fake personal experiences. Every numeric example is either calculated from a public formula or attributed to a regulator or industry publication.
Independence
Editorial independence and disclosure
CreditCostGuide is reader-supported via display advertising (Google AdSense) and a small number of affiliate partnerships, including SmartCredit (CJ Affiliate), which is disclosed on every page where it appears. Affiliate links are marked rel="nofollow sponsored" and never override editorial recommendations. We do not accept payment for placement in core guides, and we publish corrections promptly.
Contact
Contact the editor
For editorial questions, corrections, or partnership inquiries, email [email protected].
FAQ
Common questions
Who runs CreditCostGuide?
Javi Pérez, a technology professional and editorial site builder based in Almería, Spain, runs the site as an independent education project. Javi is not a licensed financial advisor, CPA, CFP, or loan officer.
Does CreditCostGuide give financial advice?
No. The content is educational. It explains how borrowing costs, fees, and credit scoring work, using public data from CFPB, the Federal Reserve, FDIC, BLS, and SEC. Always consult a licensed professional for decisions about your situation.
How can I reach the editor?
Email [email protected] for editorial questions, corrections, or partnership inquiries. The site does not collect reader data through the contact form in this static demo build.
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