About The Credit Question

The Credit Question is an independent publication about scores & files and everything next to it. It exists because the useful version of this subject is usually the one nobody has time to write.

Everything we publish tries to be precise, consumer-side, unimpressed by score-boosting folklore, which mostly means saying what we actually think and showing the reasoning.

What we cover

The site is organised into 6 sections:

• Scores & Files — What is on a credit file, who reads it, and why your score differs by agency.
• Borrowing — Loans, overdrafts, affordability checks and how a lending decision is made.
• Credit Cards — Interest, minimum payments, transfers and the cost of the float.
• Repayment — Getting out of debt: order, rates, consolidation and what actually works.
• Errors & Disputes — Wrong defaults, mistaken identity and how to get a file corrected.
• Protection — Fraud, freezes, guarantors and the consumer rights attached to credit.

Who writes it

Every article carries a named writer with a profile page, and nothing is published anonymously. You can see the full list on our writers page.

How it is funded

Advertising pays for this site. It does not buy coverage, placement or a favourable word, and our editorial policy sets out exactly how that separation works.

Who publishes it

The Credit Question is published by Fairline Consumer Media, a sole proprietorship of Vivek Tandon, 49, Cantonment Area, Ambala, Haryana, 133001, India. Telephone: +91 70154 12619.

Editorial enquiries: editorial@thecreditquestion.com. Corrections: corrections@thecreditquestion.com. Advertising: advertising@thecreditquestion.com. Or use the contact form, which reaches the same desk.

Corrections

We correct errors of fact promptly and visibly. If you spot one, tell us — see the corrections section of our editorial policy for what happens next.