Content standards for accurate, useful financial education.

Editorial principles

• Use primary government, regulatory, or institutional sources when available
• Separate facts, professional judgment, general education, and promotional claims
• Do not promise score changes, deletions, funding approvals, rates, returns, or timelines
• Disclose when licensed professional review is required
• Keep structured data consistent with visible page content

Authorship and review

Pages identify Rick Jefferson as the subject, author, or reviewer only where that relationship is accurate. Material legal or regulatory interpretations are checked against primary authority and qualified professional analysis when the subject requires it.

Corrections and updates

Pages include a last-updated date in their technical metadata. Substantive corrections are made promptly and may be described on the affected page when context is important. Send correction requests through the contact page.

AI assistance

AI may assist with outlines, navigation, or drafting, but published claims receive human review. The website assistant uses a limited, controlled knowledge set and is not a substitute for professional advice.

Primary sources and further reading

• Consumer Financial Protection Bureau: credit reports and scores
• Federal Trade Commission: credit, loans, and debt
• U.S. Small Business Administration: loan programs
• Texas Attorney General: consumer protection