Editorial Policy
Our goal is simple: give you accurate, plain-language information about credit reports and debt collection so you can make your own decisions. This page explains how we create, check and update our content.
How we create content
Research and drafting
Our articles are researched and drafted with the help of AI writing tools. We use AI to speed up research, organize information and write first drafts in English and Spanish. AI tools can make mistakes, so we never publish an AI draft without checking it.
Fact-checking against primary sources
Before we publish, we check legal facts against primary sources. That means the law itself and the agencies that enforce it, such as:
- Federal statutes, like the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA), from official or well-known legal sources such as uscode.house.gov and law.cornell.edu.
- Federal rules, like Regulation F (12 CFR Part 1006), from ecfr.gov.
- Guidance and data from the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC).
Human review
Every article is reviewed by our editorial team before it goes live. We check facts, deadlines, links and tone, and we remove anything that promises results or could push someone to do something harmful or illegal.
Spanish content
Our Spanish articles are not word-for-word translations. We rewrite them in natural Spanish for Spanish-speaking readers in the United States, and we keep the names of the laws so you can recognize them in official documents.
About our byline: Marcos Ortega
Marcos Ortega is the pen name of our editorial team. We use one byline so readers have a consistent name to follow. Marcos Ortega is not a lawyer and does not hold any professional credentials. Articles under this name are written and reviewed by our team as described on this page.
Our standards
- No promises. We never say an item will be removed or that your score will go up by a certain amount. We explain what the law requires and what usually happens.
- No harmful tactics. We do not encourage disputing accurate information as false, fake identity theft claims, CPNs, “credit sweeps” or anything dishonest. When a topic touches these, we warn against them.
- Not legal advice. Our content is general information. For a lawsuit or a possible claim, we tell you to talk to a consumer attorney or legal aid.
- Fair to companies. When we discuss debt collectors, we describe complaint data neutrally. A complaint is not proof that a company broke the law. We only mention enforcement actions that we can link to an official source.
Sources policy
- We cite the law and official agency pages first.
- Most articles end with a “Sources” list that links to those pages.
- We do not make up statistics, quotes, addresses or phone numbers. If we cannot verify a detail, we leave it out.
- When we use complaint data from the CFPB, we say what date the data is from.
Advertising and sponsored content
We earn money from affiliate partners and ads, but that does not decide what we write. Partners do not review or approve our articles before they are published. We do not accept paid placement inside our articles unless it is clearly labeled “Sponsored.” Affiliate links are marked as partner links. Learn more in our Advertiser Disclosure.
Updates
Laws, rules and agency guidance change. We review our articles regularly and update them when a law, rule or important court decision changes something. [CONFIRM: review schedule, for example every 12 months.] When we make a meaningful update, we change the “updated” date on the article.
Corrections
If you find a mistake, please tell us. Email hello@disputematchpro.com with the page link and what you think is wrong. If possible, include a link to an official source. We review every correction request. When we confirm an error, we fix it as quickly as we can. If the mistake was important, such as a wrong deadline, we add a short note to the article saying what we changed.