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Changelog

What we changed and when

Corrections and other changes to the text of our pages, newest first. Each entry has the date the edited text went live.

An entry appears only when we edited the text of a page and checked it again. A page’s review date can move after a check that changed nothing; that adds no entry here.

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  1. FICO’s factor weights, as FICO’s rewritten page gives them

    In October 2026, FICO rewrote its myFICO page on what goes into a FICO Score. The weights stayed the same — payment history 35%, amounts owed 30%, length of credit history 15%, new credit 10% and credit mix 10% — but the sentence these pages relied on is gone; the page still says the importance of these categories may vary from one person to another. The rewritten page also names one exception to the rule that a FICO Score is calculated only from your credit report: the UltraFICO Score, which considers bank account data you choose to share; the lesson “The Score Doesn’t Measure What You Think” names it too. Where these pages relied on the sentence that is gone, they now give the weights as FICO’s published weights. Some lessons in Modules 02, 03 and 06 were edited the same way.

    Pages: What Is a Good Credit Score? Ranges Explained · How Credit Utilization Works (and the 10% Target) · How to Build Credit From Scratch · How to Build Credit as an Immigrant in the US · Best Credit Cards You Can Get With an ITIN (No SSN) · How to Get a Credit Card Without an SSN · How Does a Secured Credit Card Work? · Credit guides · Credit Utilization Calculator · Credit Score Simulator · Credit tools & calculators · Credit Simulators · Glossary: Payment history · Glossary: Credit utilization · Glossary: Length of credit history · Glossary: FICO score · Glossary: Credit limit · Glossary: Due date · Credit Glossary · The Score Doesn't Measure What You Think · 11 Things Everyone Gets Wrong About Credit (And 8 Scams That Target You) · Credit Reports Decoded · Scoring Models Explained · Digital Cash Flow Tool & Discipline System · Your Score Dropped — Here's the 8-Reason Checklist · Your Credit Timeline: What to Expect and When · Home page

    Source: myFICO, What's in your credit score?

  2. ITIN pages: a second credit union named again, dated to its own account agreement

    The ITIN and no-SSN guides, the ITIN glossary term and the ITIN / No-SSN Card Eligibility Checker name a second credit union again, with the date of its own account agreement (revised July 1, 2025; read October 11, 2026), which lists an ITIN among the numbers it asks for to open interest-bearing accounts.

    Pages: Best Credit Cards You Can Get With an ITIN (No SSN) · How to Get a Credit Card Without an SSN · Glossary: ITIN · ITIN / No-SSN Card Eligibility Checker

    Official page: IRS, Individual Taxpayer Identification Number (ITIN)

  3. Utilization guide: the title names the target we teach, not an “ideal ratio”

    The title and description of the credit utilization guide promised “the ideal ratio”, though the guide teaches one target: under 10% on each card and overall. They now speak of that target instead, and so does the guide’s line in the guides list and on the home page.

    Pages: How Credit Utilization Works (and the 10% Target) · Credit guides · Home page

  4. ITIN card data page: sources named, Self-Help row re-checked

    The answer to “How do I get an ITIN?” names the IRS page it comes from and that page’s date; the Zolve example in the answer on credit built with an ITIN names Zolve’s help center and the day we read it; Self-Help Credit Union’s row, re-checked October 11, 2026, cites its account agreement and its card application instead of its membership application (cited in our August 30, 2026 check), which is no longer available.

    Pages: ITIN card acceptance: verified data (2026)

    Official page: IRS, Individual Taxpayer Identification Number (ITIN)

  5. The ITIN, in the IRS’s own terms

    Three guides, the ITIN glossary term and two Module 01 lessons now define the ITIN as the IRS’s own ITIN page does and cite that page with a date.

    Pages: Best Credit Cards You Can Get With an ITIN (No SSN) · How to Get a Credit Card Without an SSN · How to Build Credit as an Immigrant in the US · Glossary: ITIN · Credit Glossary · Starting From Zero: The US Credit Guide Nobody Gave You · Building Credit as a Newcomer to the US

    Official page: IRS, Individual Taxpayer Identification Number (ITIN)

  6. ITIN pages: a card issuer’s own ITIN page, now cited with its date

    Where three guides and the ITIN glossary term said, with no date, that a card issuer takes an ITIN, they now cite that issuer’s own ITIN page and its date; on the guides page in English and Spanish, the line about the ITIN guide now repeats that guide’s dated description.

    Pages: Best Credit Cards You Can Get With an ITIN (No SSN) · How to Get a Credit Card Without an SSN · How to Build Credit as an Immigrant in the US · Glossary: ITIN · Credit guides

    Official page: IRS, Individual Taxpayer Identification Number (ITIN)

  7. ITIN pages: one credit union no longer named, the other re-checked

    The ITIN and no-SSN guides, the ITIN glossary term and the ITIN / No-SSN Card Eligibility Checker named two credit unions; they now name one, with the day we read its membership requirements (October 11, 2026).

    Pages: Best Credit Cards You Can Get With an ITIN (No SSN) · How to Get a Credit Card Without an SSN · Glossary: ITIN · ITIN / No-SSN Card Eligibility Checker

    Official page: IRS, Individual Taxpayer Identification Number (ITIN)

  8. No-SSN guide: how long an ITIN takes, with its IRS source

    The answer to “How long does it take to get an ITIN?” and the matching line in Key Takeaways now cite the IRS page “How to apply for an ITIN”, with its address and the day we checked it, as the guide’s text already did; the Spanish and Russian pages cite the IRS’s Spanish and Russian versions of that page.

    Pages: How to Get a Credit Card Without an SSN

    Official page: IRS, Individual Taxpayer Identification Number (ITIN)

  9. New section “If you were denied”: what a lender’s notice must tell you

    The guide to building credit from scratch had nothing on what to do after a denied application. It now has a last section, “If you were denied”, and a matching FAQ answer. The section explains what the lender’s notice must tell you under Regulation B and the Fair Credit Reporting Act: the specific reasons or how to get them; if your credit report was used, the credit bureau that supplied it; if a credit score was used, that score and the key factors that hurt it. It also explains how to get a free copy of that report and how to dispute errors in it for free.

    Pages: How to Build Credit From Scratch

    Source: CFPB, What can I do if my credit application was denied because of my credit report?

  10. One utilization target: under 10% on each card and overall

    These pages described the utilization target in different ways — for example, a 1–9% “sweet spot”, “under 30%” as the floor, a few dollars to leave on each card. They now give one target, the one we teach: under 10% on each card and overall. Some lessons in Modules 02–08 were edited the same way.

    Pages: How Credit Utilization Works (and the 10% Target) · How to Build Credit as an Immigrant in the US · Credit Utilization Calculator · Glossary: Credit utilization · Scoring Models Explained · Credit Myths, Scams & What's Actually True · Your Credit Timeline: What to Expect and When · Home page

  11. Score, approval and timing promises removed

    These pages promised or predicted score points, approvals or timelines — for example, a month-by-month score schedule, a point range for a single late payment, or a secured-card upgrade after a set number of months. Those promises and predictions are gone: what happens depends on your whole credit file and on each lender’s or card issuer’s own decision. Some lessons in Modules 02–08 were edited the same way.

    Pages: What Is a Good Credit Score? Ranges Explained · How Credit Utilization Works (and the 10% Target) · How to Build Credit From Scratch · How to Build Credit as an Immigrant in the US · Best Credit Cards You Can Get With an ITIN (No SSN) · How to Get a Credit Card Without an SSN · How Does a Secured Credit Card Work? · Credit guides · What Credit Actually Is · Credit Reports Decoded · Scoring Models Explained · The Three Bureaus · Your Score Dropped — Here's the 8-Reason Checklist · Starting From Zero: The US Credit Guide Nobody Gave You · Building Credit as a Newcomer to the US · Your Credit Timeline: What to Expect and When · Glossary: FICO score · Glossary: Payment history · Glossary: Due date · Glossary: VantageScore · Glossary: Secured card · Credit Profile Quiz · Credit Simulators · How Long Does It Take to Build Credit From Nothing? · Why Your Credit Score Dropped After You Paid Off a Card

  12. FICO’s factor weights, given for the general population

    These pages gave FICO’s factor weights, such as payment history 35% and amounts owed 30%, as fixed shares of every score. They now say, as FICO does, that these are the weights for the general population. Some lessons in Modules 02–08 were edited the same way.

    Pages: What Is a Good Credit Score? Ranges Explained · How Credit Utilization Works (and the 10% Target) · How to Build Credit From Scratch · How to Build Credit as an Immigrant in the US · Best Credit Cards You Can Get With an ITIN (No SSN) · How to Get a Credit Card Without an SSN · How Does a Secured Credit Card Work? · Credit guides · Credit Utilization Calculator · Credit Score Simulator · Credit tools & calculators · Glossary: Payment history · Glossary: Credit utilization · Glossary: Length of credit history · Glossary: FICO score · Glossary: Credit limit · Glossary: Due date · Credit Glossary · Credit Reports Decoded · Scoring Models Explained · Digital Cash Flow Tool & Discipline System · Your Score Dropped — Here's the 8-Reason Checklist · Your Credit Timeline: What to Expect and When · Home page

    Source: myFICO, How are FICO Scores Calculated?

  13. Authorized-user accounts: less impact in recent FICO versions

    These pages said that scoring models reward being an authorized user on the card of someone you have a genuine relationship with, that people who are added often see a meaningful jump, or that scoring models were updated to detect unrelated authorized-user accounts. They now say what myFICO says: in recent versions of the FICO Score, authorized-user accounts have less impact than accounts in your own name. A lesson in Module 08 was edited the same way.

    Pages: How Being an Authorized User Builds Credit · How to Build Credit as an Immigrant in the US · Credit Myths, Scams & What's Actually True

    Source: myFICO, How do authorized user accounts impact the FICO Score?

  14. First FICO score: FICO’s own requirement instead of an estimate

    These pages estimated when you would have a FICO score. They now give FICO’s own requirement: at least one account open six months or more, and at least one account reported to a credit bureau in the past six months.

    Pages: How to Build Credit From Scratch · How to Build Credit as an Immigrant in the US · Best Credit Cards You Can Get With an ITIN (No SSN) · How to Get a Credit Card Without an SSN · How Does a Secured Credit Card Work? · What Is a Good Credit Score? Ranges Explained · What Credit Actually Is · Starting From Zero: The US Credit Guide Nobody Gave You · Building Credit as a Newcomer to the US · Your Credit Timeline: What to Expect and When

    Source: myFICO, What are the minimum requirements for a FICO Score?

  15. Corrected facts about disputes, fraud alerts, grace periods and bureau reporting

    Some pages described these differently from the CFPB, the FTC or the law. They now say that you can dispute an error for free with each credit bureau that shows it and with the company that reported it; that the bureau where you place a fraud alert must tell the other two; that card companies don’t have to offer a grace period, but by law your bill must be mailed or delivered at least 21 days before the due date; and that not every lender reports to all three bureaus, so ask first.

    Pages: Statement Closing Date vs Due Date (Explained) · How to Build Credit as an Immigrant in the US · Do Credit-Builder Loans Actually Work? · Best Credit Cards You Can Get With an ITIN (No SSN) · How to Get a Credit Card Without an SSN · Glossary: Grace period · Glossary: Due date · Credit Glossary · Credit Reports Decoded · The Three Bureaus · Credit Myths, Scams & What's Actually True

  16. Module 00 rewritten in English, Spanish and Russian

    The five free lessons of Module 00 were rewritten in all three languages on our lesson template: each answers readers’ questions in a fixed order and ends with its sources and the date we checked them. Figures without a source, arithmetic errors and score, timeline or approval promises are no longer in them.

    Pages: The Invisible Tax You're Paying Right Now · The Score Doesn't Measure What You Think · About 7 Million US Adults Are Credit Invisible — Don't Be One of Them · The Other Side — Should You Avoid Credit Entirely? · 11 Things Everyone Gets Wrong About Credit (And 8 Scams That Target You)

  17. Module 00 and one Module 01 lesson renamed

    Module 00, “The $250K Wake-Up Call”, is now “The Credit Wake-Up Call”: the $250K figure came from a lifetime-cost line that the first lesson no longer has. The lesson “Zero to 700: The US Credit Guide Nobody Gave You” is now “Starting From Zero: The US Credit Guide Nobody Gave You”, so its title no longer names a score as the outcome. The lesson’s address stays the same, and three guides link to it under its new name.

    Pages: Free credit lessons · The Invisible Tax You're Paying Right Now · The Score Doesn't Measure What You Think · About 7 Million US Adults Are Credit Invisible — Don't Be One of Them · The Other Side — Should You Avoid Credit Entirely? · 11 Things Everyone Gets Wrong About Credit (And 8 Scams That Target You) · Starting From Zero: The US Credit Guide Nobody Gave You · How to Build Credit as an Immigrant in the US · How to Build Credit From Scratch · Best Credit Cards You Can Get With an ITIN (No SSN)

  18. Credit Profile Quiz: high utilization now starts at 10%

    The free Credit Profile Quiz and the onboarding questions in the app treated utilization as high only above 30%. They now do from 10%, in line with the under-10% target our guides and utilization calculator teach. In both, the utilization slider starts at 15%: until you move it, it shows “Not provided” and 15% is not taken as your answer.

    Pages: Credit Profile Quiz

  19. Spanish and Russian lesson pages name the module in their own language

    On the Spanish and Russian pages of the lessons, the line above the title named the module in English. It now names it in the page’s language, for example “Módulo 01 · Fundamentos del crédito” and “Модуль 01 · Основы кредита”. This change is only on the Spanish and Russian pages: the English pages already named the module in English.

    Pages: The Invisible Tax You're Paying Right Now · The Score Doesn't Measure What You Think · About 7 Million US Adults Are Credit Invisible — Don't Be One of Them · The Other Side — Should You Avoid Credit Entirely? · 11 Things Everyone Gets Wrong About Credit (And 8 Scams That Target You) · What Credit Actually Is · Credit Reports Decoded · Scoring Models Explained · The Three Bureaus · Digital Cash Flow Tool & Discipline System · Your Score Dropped — Here's the 8-Reason Checklist · Starting From Zero: The US Credit Guide Nobody Gave You · Building Credit as a Newcomer to the US · Credit Myths, Scams & What's Actually True · Your Credit Timeline: What to Expect and When

  20. All 54 lessons are free

    Every module of the course is open. Modules 00 and 01 are free to read without an account. Modules 02–08 are free too: read them in the Knowledge Center with a free account.

    Pages: Free credit lessons

  21. Pro ended: VenturePath is free to learn

    Paid plans are closed. The new edition of our Terms of Service took effect the same day: VenturePath does not charge for the Service, and we do not offer paid plans, subscriptions or free trials.

    Pages: Free — How We Make Money · Terms of Service

  22. Credit-invisible figure corrected: about 7 million, not 13 million

    Two guides and two lessons said 13 million or more US adults were credit invisible. That figure was out of date. They now give the CFPB estimate: about 7 million US adults had no credit file at all, and about 25 million more had a file too thin or too old to score (CFPB estimate for December 2020, published June 2025).

    Pages: How to Build Credit From Scratch · How to Build Credit as an Immigrant in the US · About 7 Million US Adults Are Credit Invisible — Don't Be One of Them · Your Credit Timeline: What to Expect and When

    Source: CFPB, Technical correction and update to the CFPB's credit invisibles estimate

  23. ITIN card data page: wording dated to our August 30, 2026 check

    The introduction, the issuer-list intro, “Before you apply” and the first FAQ answer reworded and dated to our August 30, 2026 check; evaluative wording removed from the Capital One and TomoCredit notes; the next scheduled re-verification moved from November 2026 to January 2027.

    Pages: ITIN card acceptance: verified data (2026)

    Official page: IRS, Individual Taxpayer Identification Number (ITIN)