Editorial Standards

Information about legal rights and money has to be right. Here's how we work.

Where our information comes from

In order of priority:

1. The law itself: the Fair Debt Collection Practices Act (15 U.S.C. § 1692 et seq.), the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.), and the CFPB's Regulation F (12 CFR Part 1006), plus other federal statutes where relevant.
2. Court decisions that interpret those laws, including U.S. Supreme Court cases.
3. Federal agency guidance from the Consumer Financial Protection Bureau and the Federal Trade Commission.
4. Respected nonprofit and industry sources — such as the National Consumer Law Center, the scoring companies' published documentation, and the credit bureaus' published policies — for things the law doesn't cover directly.

Every guide lists its sources at the bottom and cites the specific section in the text.

How we write

• Plain English. If we use a legal term, we define it.
• We separate what the law requires from what is merely common or possible.
• We say when something depends on your state.
• We tell you what doesn't work, and we never promise an outcome. No one can lawfully remove accurate, timely information from a credit report, and we won't suggest otherwise.

Review and updates

• Every guide shows a Last reviewed date.
• We re-check every guide at least quarterly, and immediately when a relevant law, regulation, court ruling, or agency policy changes.
• Facts that depend on company or agency policy rather than statute — like free weekly credit reports, medical debt reporting, and which credit scores mortgage lenders use — are flagged internally and re-verified each review.
• Reviewer: Guides are reviewed by the KYDR Editorial Team. [If and when a licensed attorney reviews a guide, their name and bar admission will appear on that guide.]
• [Recommended disclosure — owner to confirm: "We may use AI writing tools to help draft content. Every claim is checked against the cited source by a person before it's published."]

Corrections

If you think we got something wrong, email us at [CONTACT_EMAIL] with the page and the source you're relying on. We review every correction request, fix confirmed errors promptly, and update the page's review date. Please don't include account numbers or personal financial details.

Independence

We sell one product: the Collections Defense Letter Library, a set of educational letter templates. We don't accept payment to cover or recommend any company, and we don't currently use affiliate links. If that changes, we'll disclose it clearly on every affected page.