Editorial Disclaimer

BadCreditFirst provides educational and comparison content to help consumers understand credit cards and credit-building products designed for people with bad or limited credit.

Editorial Independence

Our content is editorially independent. Reviews, rankings, and comparisons are based on our own evaluation criteria. We do not accept payment to alter editorial opinions or to favor specific products. Third-party advertisers and partners do not review, approve, or endorse our editorial content. Compensation from affiliate links does not influence our ratings or recommendations. See our Advertiser Disclosure for how we are compensated.

How We Rank and Review

Our methodology is based on fee transparency, approval accessibility, and credit bureau reporting. We do not rank products by compensation. See How We Rank Cards for full details.

No Guarantees

BadCreditFirst does not guarantee approval for any product or credit improvement. Approval decisions are made solely by lenders and issuers. Outcomes depend on your individual circumstances, credit history, and the issuer's criteria.

Information Accuracy

Product terms, fees, and eligibility requirements may change. We strive for accuracy but cannot guarantee that all information is current. Users should verify details directly with the issuer before applying.