CreditCostGuide
Javi Pérez
Founder and editor of CreditCostGuide, based in Almería, Spain.
Author Profile
About Javi Pérez
Javi Pérez is the founder and sole editor of CreditCostGuide. He is an independent publisher based in Almería, Spain who builds long-form educational resources for U.S. consumers on credit, loans, mortgages, banking fees, refinancing, and debt payoff.
His background is technical — operating digital products and editorial sites — not regulated financial services. Javi Pérez is not a licensed financial advisor, CPA, CFP, loan officer, tax professional, or attorney. This content is educational only and does not replace advice from a qualified professional.
Find Javi on LinkedIn: https://www.linkedin.com/in/javi-perez-guides. For corrections, source updates, or partnership inquiries, email [email protected].
Editorial Approach
How Javi works
- Primary-source first. Every page links to at least three regulator or government sources (CFPB, Federal Reserve, FDIC, BLS, FTC, SEC, studentaid.gov).
- AI-assisted drafting, human review. Drafts are produced with large-language-model help, then revised, fact-checked, and signed off by Javi before publishing.
- Quarterly review. Every indexable guide is revisited at least every 90 days; rate-sensitive numbers are checked monthly against the original federal data series.
- No personalized advice. CreditCostGuide does not collect reader data, does not match readers with lenders, and is not a registered investment adviser.
FAQ
Common questions
What does Javi do at CreditCostGuide?
Javi Pérez is the founder and sole editor of CreditCostGuide. He plans the editorial calendar, writes and revises every guide, builds the calculators, and is the single contact for corrections at [email protected].
Is Javi a licensed financial professional?
Javi Pérez is not a licensed financial advisor, CPA, CFP, loan officer, tax professional, or attorney. This content is educational only and does not replace advice from a qualified professional.
How is this content 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. The final wording, examples, sources, and figures shown on the site are reviewed by Javi before publication.
Keep Exploring