Last updated: September 2026
This page explains how the guides on Nuestro Crédito USA are made: who writes them, where each fact comes from, what we check before publishing, what we cannot check, and what we do when we get something wrong. If you are going to make a decision about your money based on something you read here, you have a right to know.
Who writes the guides
The guides are signed by Nuestro Crédito USA. We do not sign them with expert names or credentials we cannot prove: we are not certified financial planners, immigration attorneys or accountants. This is a small, independent project writing, for the Hispanic community in the United States, the explanations we wish we had found when we arrived.
That is why every guide explains how something works before recommending anything, and sends you to the official source when the detail depends on your situation.
How we use AI tools
We use AI tools to help with day-to-day work: drafting, organizing information, moving texts between Spanish and English, and building the calculators. We do not treat them as a source. A figure, deadline or rule only goes into a guide once it has been checked against the original document (the CFPB, the IRS, the FDIC, the Federal Reserve or the relevant law), and that document is linked in the guide.
Before a guide goes live, its figures, sources and links are checked, a review we also carry out with the help of AI tools. Marc González, who runs the project, sets these rules, decides what is published and is accountable for corrections. If you spot a mistake, write to us and we will fix it.
Where the facts come from
When a guide cites a rule, a deadline or a number, it comes from one of these sources, in this order of preference:
- Federal agencies. The Consumer Financial Protection Bureau (CFPB), which publishes guides and takes complaints in Spanish; the Federal Trade Commission (FTC); the IRS for anything about the ITIN; and the Federal Reserve.
- The consumer protection laws themselves, cited by name: the Equal Credit Opportunity Act (ECOA), the Fair Credit Reporting Act (FCRA) and the CARD Act for credit cards.
- The three credit bureaus, Equifax, Experian and TransUnion, and AnnualCreditReport.com, the only official site for your free reports.
- Each bank or provider’s own published terms, on its own website, for the fees, requirements and timelines of a specific product.
We do not use other blogs, forums or comparison sites as a source. If only a third party says it, we do not treat it as true.
What we check before publishing
- That every legal deadline and consumer right matches what the regulating agency says.
- That a product’s fees and requirements are on the provider’s own website, and the date we checked them.
- That the guide never promises anything outside your control: never “guaranteed approval”, never “raise your score in 30 days”.
- That the Spanish and English versions say the same thing. We do not translate blindly: when a term has no equivalent, we explain it.
What we cannot check
This is the part we most want you to read.
- Your specific case. Whether a bank approves you depends on your history, your income and its internal criteria, which it does not publish. We explain how the decision is made; we cannot tell you what it will decide.
- Live exchange rates and remittance fees. They change several times a day. Our tools calculate with the numbers you enter, and we recommend confirming the total on the provider’s final screen before you send.
- Terms a bank changes without notice. We review our guides, but a bank can change a requirement between reviews. That is why we give ranges and tell you where to confirm the exact figure.
- Your immigration situation. We do not give immigration advice. When a financial decision could affect it, we say so and point you to an accredited immigration attorney.
Official information, our analysis and examples
Every guide mixes three kinds of content, and we try to make it obvious which is which:
- Official information: rules, deadlines and rights taken from a law or a government agency (the CFPB, the IRS, the FDIC, the FTC). We name the rule or the agency in the text and link it in the “Official sources” box at the end of the guide.
- Information from a company: a bank’s requirements, a provider’s delivery options or a survey of card issuers. We say whose information it is and, when it can change, the date it was published or the date we checked it.
- Our analysis: explanations, comparisons, step-by-step routes and recommendations. That is our own work, based on the sources above, and it is never presented as an official rule.
- Examples: numbers used to show how something works, such as an exchange rate in a worked example, are labeled as illustrative. They are not today’s prices.
What the dates on a guide mean
The date at the top of each guide shows when it was last changed. Guides that depend on rules that can change (taxes, bank requirements, remittance rules) also end with a line such as “Last reviewed September 28, 2026, against…”, naming the sources we checked on that date. If you read a guide long after that date, confirm the detail with the official source before you act on it.
How we correct mistakes
If a guide contains an error, we fix it as soon as we know and update the guide’s date. If the error changed a recommendation, we say so in the guide itself instead of changing it quietly.
The fastest way to tell us is through our contact page, with the link to the guide and what it says now versus what it should say.
How the site is funded
Today Nuestro Crédito USA has no affiliate links and shows no ads. If it adds advertising or affiliate commissions in the future, the affiliate disclosure page will say so. No guide is written in exchange for money and no commission changes what we recommend: if a product is a bad fit for you, we say so anyway. The details are in our affiliate disclosure.