Credit-building is confusing. We make the map.
CardPath exists because 63.8 million Americans are credit invisible or unscorable — and the advice aimed at them is either predatory or written for people who already have credit.
What we do
We maintain three things: an eligibility quiz that matches your situation to starter cards using public issuer criteria, apply guides written for first-timers, and honest comparisons that show costs — including the ugly ones — up front.
Editorial team
M. Reyes — Lead editor. Ten years in consumer credit counseling; former HUD-approved housing counselor. Reviews every money page before publication.
J. Okafor — Data & verification. Maintains our issuer criteria tables against public disclosures, with last-verified dates on every page.
How we make money
When you apply through links on CardPath, the issuer may pay us a commission. This never changes which card we recommend first — our matching logic runs on your answers, not on payout. Full detail in our affiliate disclosure and editorial policy.
What we are not
Not a lender. Not an issuer. Not a credit repair organization — and if anyone promises to "fix" your score for a fee, run. We publish education; your decisions and applications happen at the issuer.
Questions? Contact us.