Corrections Policy
Everything on this site is a claim about someone else's published terms. Some of those claims will be wrong. This is what happens when one is.
Send the published source that contradicts us and we will check it against the record. If it holds up we correct the page, update the checked date, and — where the change is material — say on the page what changed. Anyone can file one, and whether a company pays us makes no difference to how it is handled.
This summary is for orientation only. The numbered sections below are the operative terms.
1. Who can submit a correction
Anyone. A reader, a borrower who found the reality different from the page, a competitor, a journalist, or the provider being written about. We do not require you to identify your interest, though telling us makes it faster to verify.
Providers get no special channel and no special standing. A lender that pays us and a reader who does not are subject to the same test: does the published source support the change.
2. What makes a correction actionable
The one thing we need is a source. Specifically:
- the page or claim that is wrong,
- what it should say instead, and
- a link to the provider's own current published material that shows it.
A primary source — the provider's product page, rate sheet, terms, agreement or regulatory disclosure — settles it immediately. Second-hand reporting does not, though it is a reasonable prompt for us to go and check the primary source ourselves.
"This is out of date" without a link is still useful and we will look, but it goes into the re-check queue rather than being actioned directly.
3. What happens after you submit
- You receive a reference number immediately. Keep it; it is how you follow up.
- We check the claim against the source you sent and against the provider's current published material.
- If the source supports the change, the record is corrected and the page's checked date is updated.
- If it does not, we reply explaining what we found and why the page stands.
- If the source is ambiguous — which happens most often with pricing that varies by offer — the page is changed to describe the ambiguity rather than pick a side.
Ratings recalculate from the corrected record automatically. There is no separate step in which someone decides whether a correction should be allowed to move a score.
4. How corrections appear on the page
Every product page carries the date its facts were last checked and a ledger of the sources they came from. A correction updates both, so the change is visible without us narrating it.
Where a correction materially changes what the page told a reader — a rate, a requirement, a fee, a conclusion — we note what changed and when, on the page itself. We do not quietly edit a claim that people may have acted on.
5. What a correction cannot do
A correction fixes a fact. It is not a route to editorial control, and the distinction matters enough to state plainly. Submitting a correction cannot:
- remove an accurate drawback, caution or finding,
- change a rating except by changing the published facts underneath it,
- suppress a moderated borrower report that meets our verification standard,
- remove a page from the site, or
- secure pre-publication review of anything.
If a page is accurate and unflattering, it stays. That is the whole reason the accurate pages are worth anything.
6. Routine re-checking
Corrections are the exception path. The normal path is that we re-check published terms on a schedule and date every page with when it last happened. Financial product terms change without notice and often without announcement, so a page that has not been checked recently says so rather than implying currency it does not have.
7. How to submit
Use the correction form, which creates a tracked request and returns a reference number, or email hello@fundingrank.com with the same three things: the page, the claim, and the source.
Silent West