Credit FactorHow We Make Money
Credit Factor is free for consumers. We earn revenue through affiliate partnerships with financial service providers, including credit monitoring services, credit builder products, and lending partners.
How Affiliate Partnerships Work
When you click a link to a partner product and sign up or make a purchase, we may earn a commission. This is at no additional cost to you. Affiliate links on our site are clearly marked and use rel="sponsored" attributes.
Editorial Independence
Our affiliate relationships do not influence our editorial content, rankings, or recommendations. Company reviews are based on CFPB complaint data, not on whether we have a financial relationship with the company. Product rankings on editorial pages are determined by editorial criteria, not revenue potential.
Our Partners
We partner with credit monitoring services (such as Credit Sesame and Experian), credit builder products (such as Self and Kovo), and selected lending partners. We only partner with companies we believe offer genuine value to consumers.