Who We Are
Free credit education — no sales pitch, no paid placements, no miracle claims.
That.You Credit exists to give every American clear, honest, and actionable information about how credit works — without a hidden product attached.
126+
Pages of guides
20
Free tools & calculators
100%
Free — no paywall
0
Paid editorial placements
Our mission
Credit affects almost every major financial decision in your life — whether you can rent an apartment, what interest rate you pay on a car loan, whether you qualify for a mortgage. Yet credit is poorly understood by most consumers, and the resources that exist to explain it are often buried in jargon, watered down by advertising interests, or written to sell a service.
That.You Credit was built to close that gap. Our goal is to give every person, regardless of their starting point, the same quality of information about credit that used to require paying a financial advisor or attorney.
Every guide, calculator, and letter template on this site is free. No subscription. No account required. No credit card ever asked for.
What we publish
Credit Score Guides
In-depth explanations of how FICO and VantageScore work, what moves your score, and improvement roadmaps.
Explore →Credit Report Disputes
Copy-ready letter templates, timelines, and bureau-specific dispute instructions.
Explore →Consumer Rights (FCRA/FDCPA)
Plain-English summaries of every federal law that protects you as a borrower.
Explore →Debt Relief Options
Unbiased comparisons of every option from DIY payoff to bankruptcy.
Explore →Identity Theft Recovery
Step-by-step guidance for placing freezes, filing FTC reports, and disputing fraud.
Explore →Free Calculators
20 interactive tools — debt payoff, utilization targets, budget planners, and more.
Explore →Collections & Charge-offs
Zombie debt rights, pay-for-delete tactics, and charge-off timelines.
Explore →Credit Monitoring
How to monitor all three bureaus for free and how to respond to alerts.
Explore →What we do not do
Our editorial standards
| Standard | How we apply it |
|---|---|
| Named authors | Every article shows the author's full name and credentials. No anonymous content. |
| Primary sources only | We cite the CFPB, FTC, FCRA statutory text, and AnnualCreditReport.com. No secondary-source chains. |
| Regular review dates | Every guide shows a last-reviewed date. High-traffic pages are reviewed quarterly. |
| Corrections policy | Reader-reported corrections are reviewed within 5 business days and noted transparently. |
| No paid placements | No company can pay to be featured in or excluded from editorial content. |
| Disclaimer disclosure | Every article states it is not legal or financial advice and links to licensed professional resources. |
How the site is funded
That.You Credit may earn referral fees from financial products we recommend. These relationships are always disclosed on the relevant page. They never influence which products are recommended or how they are described.
We will never accept payment to change editorial content, remove negative information about a product, or prioritize a recommendation that is not in the reader's best interest.
See our full revenue model →Educational content only. This page is for informational purposes and does not constitute legal, tax, or personal financial advice. Results vary. Laws and bureau processes change. Consult the CFPB, FTC, and AnnualCreditReport.com for authoritative guidance. Full disclaimer