CreditCostGuide
Disclaimer | CreditCostGuide
Understand the informational-only nature of CreditCostGuide content and the limits of calculators, examples, and editorial material.
Policy
Disclaimer
Last reviewed: May 2026.
Educational only
This site does not provide financial advice
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. Use the content as a starting point for your own research, then verify pricing and product terms directly with the lender, bank, or licensed professional relevant to your situation.
Examples
Hypothetical scenarios, not real customer data
The numeric examples used in calculators and guides — APRs, balances, monthly payments — are hypothetical illustrations chosen to make a cost mechanic easy to follow. They are not lender quotes and not based on any individual reader’s credit profile. Real product pricing depends on your credit, income, debt-to-income ratio, collateral (if any), and the lender’s underwriting at the moment you apply.
Sources
Reliance on public data
CreditCostGuide relies on public sources including CFPB (consumerfinance.gov), the Federal Reserve (federalreserve.gov, FRED), FDIC (fdic.gov), BLS (bls.gov), FTC (consumer.ftc.gov), the SEC (sec.gov), and the U.S. Department of Education (studentaid.gov). Sources are linked on each page where they are used.
Advertising and affiliates
How the site is funded
The Site is funded by display advertising (Google AdSense) and a small number of affiliate partnerships (currently SmartCredit via CJ Affiliate). Affiliate links are marked rel="nofollow sponsored" and disclosed on the pages where they appear. Funding does not influence which products are mentioned, the order in which they appear, or the editorial conclusions reached.
Where to get personalized help
Licensed professionals and free resources
For decisions specific to your situation, consult a licensed professional. Free or low-cost options include HUD-certified housing counselors, CFPB-listed nonprofit credit counselors, and your state’s attorney general consumer protection unit.
FAQ
Common questions
Does CreditCostGuide give financial advice?
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.
Are the examples real customer data?
No. Numeric examples on this site are hypothetical scenarios used to illustrate how a cost mechanic works. They are not based on individual reader data, lender quotes, or any real consumer’s file.
Where should I go for personalized advice?
Consult a licensed professional: a financial advisor (registered with the SEC or a state regulator), a CPA, an attorney, a HUD-certified housing counselor, or a CFPB-listed nonprofit credit counselor.
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