Our Passion

Since 2007, Crediful.com (formerly known as AAACreditGuide.com) has been the authority site for all things personal finance. We love to help people with their decisions when it comes to improving credit, debt settlement, mortgage, auto, personal, and student loans, credit cards, investments, and much more.

We offer objective advice on financial matters so you can make smart, informed decisions and reach your most important goals in life. Best of all, the content on this site has been, and always will be, 100% free.

If you’re ready to get inspired to take control of your finances, you’ve come to the right place! Maybe you want to learn how to improve your credit scores, find the right mortgage, or figure out how to prepare for retirement.

We’re passionate about helping you achieve your financial goals, no matter what they are. We hope that if you find this site helpful you’ll tell others about us so we can help them too!

Who We Are

We are consumers just like you. That’s why we want to provide quality information and advice about dealing with loans, saving, credit cards, credit reports, and everything else in the world of personal finance. We have families that we love and want the best for – just like you.

We won’t recommend any service or website that we don’t already know. In fact, we’ve used many of them ourselves! And those we don’t have personal experience with have undergone thorough research and analysis to make sure we’re making the most helpful recommendations to our readers.

We will help you without the hidden games, misleading pop-ups, or “come-ons” that other websites offer. Just simple, straightforward help solving the problems around credit and personal finance. We believe that just about anyone can start taking control of their finances to achieve their biggest priorities in life.

Another perk? We update our information constantly, so you don’t have to worry about out-of-date content slowing down your decision process. See something that fell through the cracks and needs updating? Let us know!

Quality content is our number one priority. We truly value the community we’ve built here and through our social media channels and appreciate any and all comments.

We’re also proud to have been included in national media outlets such as Market Watch, NBC, CBS, Fox News, CNBC, Yahoo Finance, The Chicago Tribune, The Denver Post, and many more. Crediful’s commitment to independent recommendations and advice helps individuals across the United States each and every day.

Where Do You Start?

Regardless of whether you’re just starting your personal finance journey or are setting new goals for yourself, we have countless resources to help guide you through the process. Check out some of our most popular topics:

Also, check out our blog throughout the week for timely, relevant information on today’s most important personal finance topics.

Each and every day we will be watching, reporting, supporting, and providing the most beneficial resources for ordinary, everyday consumers like you to use. Blog posts are jam-packed with helpful tips you can actually start implementing today.

Our History

At Crediful.com, we’re rooted in the philosophy that strong personal financial skills begin with a healthy credit report. In fact, we started off primarily as a site that helped people improve their credit.

We still uphold those values today and encourage anyone just beginning their personal finance journey to start by obtaining your credit reports if you haven’t already done so. As the old saying goes, you can’t know where you’re going if you don’t know where you’ve already been.

We still provide countless resources on how to successfully repair your own credit, including both quick fixes and long-term strategies.

Keep in Touch!

Don’t forget to bookmark this site and stop by often! New content is posted every day. If you’ve found our site useful, please like us on Facebook, follow us on Twitter or LinkedIn, or check us out on Pinterest!

It’ll also keep you up to date on new blog posts, upcoming promotions, and relevant industry news.


Information on this site is a basic introduction to personal finance. You have many more legal rights and avenues than we can possibly list here. You may want to consult a professional financial advisor, credit counselor, or obtain legal advice from a lawyer if your situation is in crisis or requires immediate action to resolve a problem.

Information on this Site is NOT Legal Advice

This site provides information about the law designed to help users improve their personal finances, however, legal information is not the same as legal advice! We are not financial advisors, attorneys, or legal professionals and nothing published on this site should be considered financial or legal advice.

Although we go to great lengths to make sure our information is accurate and useful, we recommend you consult a lawyer.

This provides you with the professional assurance that our information, and your interpretation of the information, is appropriate to your particular situation.

Additionally, each state has its own set of specific laws and regulations that may be enforced in addition to or rather than federal law. Get local legal or financial advice to ensure you’re taking all relevant material into consideration.

Bottom line – we are highly-educated consumers, not attorneys at law. NOTHING this website constitutes legal advice. If you have not already done so, please familiarize yourself with our terms of service.

Affiliate Disclosure

Disclosure of Compensation for Affiliate Endorsements

Compensation: This site contains numerous affiliate links (i.e. referral links). That means if you buy a product or service after clicking on one of the links we recommend, we get paid a commission.

Unless mentioned otherwise, you should assume Crediful.com has an affiliate relationship with the merchants providing the various products and services referenced throughout this site either explicitly or via an affiliate link.

If you purchase a product or service from a third-party merchant as a result of clicking on any of our referral links, we may receive a commission payment as compensation. Those commissions help support this site and enable us to continue to provide quality information and education for consumers.

With that said, you can be confident we will always give our honest opinions, analysis, assessments, findings, beliefs, and/or experiences about those products and services.

Disclosure of Affiliate Relationships

Affiliate Relationships: Income is generated for the owner of Crediful.com based on affiliate relationships with our partners. As a result of these affiliations, Crediful.com may contain content which might present a conflict of interest.

This content may not always be identified. We really aren’t trying to fool anyone into doing anything inappropriate; we simply are biased toward companies that we feel can do a good job of helping people.

We’re passionate about the companies we recommend and have built relationships with some of them. If you ever have an issue with a company that we recommend, please contact us immediately and we will do our best to help you fix the issue.

Disclosure of Third-Party & Sponsored Ads

Sponsored Ads: Text and image ads that appear on this site are either third-party ads (e.g. Google AdSense Ads) or sponsored ads and will almost always be labeled accordingly (e.g. “Ads by Google”, etc.).

If a text or image link appears to be an ad but is not labeled as such, then most likely it is an endorsement via an affiliate referral link as opposed to a third-party or sponsored ad.

This site does not necessarily approve or endorse the products and services advertised in these third-party or sponsored ads, although we reserve the right to do so, particularly in situations where the ad is on behalf of a merchant with whom we have an affiliate relationship.

Disclosure of Income Sources

Income Sources: This site does not sell any products directly. All income is earned from affiliations, third-party ads, and sponsor ads.

We thank you for your continued support of Crediful.com. As we mentioned earlier, we remain a free-content website. Your support through clicking on affiliate links and other ads on the website helps us to keep doing what we do best: providing you with high quality, unbiased advice to help you become a personal finance guru.