Fix My Money Life is an independent U.S.-focused personal finance education website built to help readers solve real credit and money problems with clear, practical guidance.
Our current editorial focus is consumer credit: credit scores, credit reports, late payments, collections, charge-offs, disputes, account reporting, and the steps people can take when something on a credit file does not look right. We also cover broader everyday money decisions when they fit the same goal: helping readers understand what is happening, what to check next, and what options may be available.
What Fix My Money Life is here to do
Money information is often either too vague to be useful or so technical that readers still do not know what to do next. Fix My Money Life is designed to sit in the middle: accurate enough to respect the rules and details, but practical enough to use in real life.
Our guides aim to answer the reader’s actual question first, then explain the details that matter. When a topic is complicated, we use examples, checklists, comparison tables, timelines, decision trees, call scripts, and worksheets to make the next step easier to understand.
What we cover
- Credit scores: what can affect a score, why scores can differ, how to compare score changes, and what not to assume from a single number.
- Credit reports: how accounts are reported, how to read payment history, balances, dates, statuses, and bureau differences.
- Late payments: reporting thresholds, score impact, inaccurate late marks, autopay failures, closed accounts, and recovery.
- Collections and charge-offs: how these accounts may appear, what payment changes and does not change, and what to verify before acting.
- Credit-report disputes: how to identify a specific error, gather useful evidence, choose a filing method, and review investigation results.
- Practical money decisions: selected guides on debt, spending, saving, and financial habits as the site expands.
How we research our articles
We prioritize primary and first-party U.S. sources whenever they are relevant to the question. Depending on the topic, that can include the Consumer Financial Protection Bureau, Federal Trade Commission, FICO, AnnualCreditReport.com, Experian, Equifax, TransUnion, federal statutes or regulations, and official lender or servicer documentation.
We try to separate what a source actually says from what can only be inferred. Credit scoring formulas are proprietary, reporting practices can differ by lender and bureau, and individual outcomes vary. That is why our articles avoid guaranteed point increases, guaranteed deletions, or promises that one action will produce the same result for every reader.
Read more about our standards on the Editorial Policy page.
Who writes Fix My Money Life
Claire Bennett is the editorial name used by the founder and editor of Fix My Money Life. Claire is responsible for the site’s editorial direction, research standards, article structure, source selection, updates, and reader-first approach.
Fix My Money Life does not present Claire as a CFP®, attorney, credit-repair organization, lender, credit bureau employee, or other licensed financial professional. The site is an educational publication, not a substitute for individualized legal, tax, credit-repair, or financial advice.
Our editorial approach
We publish for clarity, not hype. That means no fake urgency, no guaranteed credit-score claims, no promises of instant deletion, and no generic advice stretched across dozens of pages just to target keywords.
For important financial topics, we aim to show the reader how to verify the facts in their own situation. That may mean checking the exact month reported late, comparing the same bureau before and after a change, identifying who currently owns a debt, confirming whether a payment was actually due, or preserving records before filing a dispute.
Corrections and updates
Financial rules, lender practices, bureau processes, and official guidance can change. Articles may be updated when source guidance changes, when we find a clearer primary source, when a page needs a more precise explanation, or when a reader identifies a factual issue.
If we find a material error, our goal is to correct the article rather than quietly repeat the same wording elsewhere. You can report a possible error through our Contact page.
What you should not expect from this site
We do not guarantee a particular credit score, dispute result, deletion, approval, loan rate, or financial outcome. We do not encourage readers to dispute accurate information simply because it is negative. We also do not treat a credit-monitoring app, social-media post, forum comment, or marketing claim as a substitute for the underlying credit report or an authoritative source.
How to use Fix My Money Life
- Start with the problem, not the score. Identify whether the issue is a report error, late payment, collection, charge-off, utilization problem, or a general score change.
- Check the underlying records. Compare the credit report with statements, payment confirmations, creditor messages, account dates, and balances before deciding what happened.
- Use the guide that matches the evidence. Move from the relevant topic hub to the specific article for your situation instead of applying a generic credit fix.
You can begin with the Credit Score Guides hub, or go directly to Credit reports & disputes, Late payments, Collections, Charge-offs, or Credit cards & utilization.
About Fix My Money Life: common questions
Is Fix My Money Life a credit-repair company?
No. Fix My Money Life is an educational publication. It does not sell guaranteed deletions or promise a particular credit-score outcome.
Does the site provide individualized financial or legal advice?
No. The site provides general educational information. Readers should evaluate their own account records, terms, deadlines, and circumstances and seek qualified professional help when individualized advice is needed.
How can I report a factual issue?
Use the Contact page and include the article URL, the specific statement in question, and supporting evidence when possible.
Our goal
Fix My Money Life exists to make difficult money questions easier to investigate. The goal is not to tell readers that every problem has a quick fix. The goal is to help them understand the facts, avoid common mistakes, and make a more informed next move.
Start with the problem you are trying to solve, verify the details, and use the guide that matches the evidence.