Terms of Service

Use of This Site

Credit Factor provides credit education content for informational and educational purposes only. By using this site, you agree to these terms. This site is intended for users who are at least 18 years of age. By using this site, you represent that you are at least 18 years old or are using it under the supervision of a parent or guardian.

Not Financial Advice

Nothing on this site constitutes financial, legal, or professional advice. Credit Factor is not a credit repair organization, lender, credit bureau, or financial advisor. We do not access your credit report, credit score, or any personal financial data. Consult qualified professionals before making financial decisions.

AI-Assisted Content

Some content on this site is created with the assistance of artificial intelligence tools. All AI-generated content is reviewed and fact-checked by human editors before publication. While we strive for accuracy, AI-assisted content may contain errors. See our Editorial Guidelines for details.

Data Accuracy

We strive to provide accurate, up-to-date information sourced from government databases including the CFPB, Federal Reserve, and U.S. Census Bureau. However, we do not guarantee the completeness or accuracy of any data. Government data sources have their own limitations and reporting delays. Data displayed on this site should not be used as the sole basis for financial decisions.

Calculator Tools

Calculator results are estimates for educational purposes only. They do not predict actual credit score changes, loan terms, or financial outcomes. Your actual results may vary significantly. Calculator inputs are processed entirely in your browser and are not stored or transmitted to our servers.

Affiliate Links

This site contains affiliate links to third-party products and services. We may earn a commission if you sign up through these links, at no additional cost to you. Affiliate relationships do not influence our editorial content or rankings. See our How We Make Money page for details.

Intellectual Property

Content on this site is owned by Credit Factor or its licensors. Government data used on this site is in the public domain.

Limitation of Liability

Credit Factor is provided "as is" without warranties of any kind, express or implied. Credit Factor is not liable for any direct, indirect, incidental, or consequential damages arising from your use of this site or reliance on its content, including but not limited to financial losses resulting from decisions made based on information found on this site. Use this site at your own risk.

Governing Law

These terms are governed by the laws of the United States. Any disputes arising from the use of this site shall be resolved in accordance with applicable federal and state law.