Review & Update Policy
Last Updated: June 5, 2026
Credit scoring isn’t static. FICO releases new models, the CFPB issues new rules, and lenders change requirements. Outdated advice is worse than no advice. Here’s how we keep Credit Score Mastery current and trustworthy.
1. 90-Day Review Cycle
All “pillar” articles covering Credit Basics, Credit Repair, Scoring Models, Loans & Cards, and Credit Bureaus are scheduled for review at least once every 90 days. During review we:
- Re-verify all data points against FICO, CFPB, and bureau sources
- Check for law changes or new regulatory guidance
- Update 2026 lender data, interest rate ranges, and score requirements
- Test all calculators and tools for accuracy
2. Triggered Updates
We don’t wait 90 days if something big changes. These events trigger an immediate review:
- New FICO or VantageScore model rollout
- CFPB or FTC rule changes affecting credit reporting or disputes
- Major 2026 mortgage scoring changes and FHFA announcements
- Data breaches or bureau policy changes affecting consumers
3. “Last Verified” Dating
Every article displays the date it was last fact-checked and updated. If you’re reading a guide from 6+ months ago and it’s not on a 90-day cycle, it will be flagged for review.
4. Editorial Independence
Reviews are conducted by our editorial team, led by Daniel Brooks. No advertiser, affiliate partner, or lender pays to be included or to delay an update. If we feature a product after review, it’s because it meets our criteria on the date of review — not because of compensation.
5. User Feedback Loop
We read every message. If readers report outdated info via our [Contact Page], we investigate within 5 business days. If confirmed, the article is prioritized for update.
Our Promise: If credit scoring rules change, you’ll see it reflected here quickly, in plain English, with sources cited.