Editorial

Editorial policy & methodology

Last updated September 2026.

The 0–100 Caution Score

Each lender profile carries a caution score from 0 to 100. A higher score means more borrower risk signals in the available data.
The score blends the official SEC registry status of the entity, the volume of community reports, the severity of evidence, and the reputation weight of the reporters.
Scores are recalculated as new verified reports, registry changes, or evidence arrive — they are living indicators, not fixed verdicts.
The score is an algorithmic community assessment and never a judicial or regulatory finding.

Regulatory inputs that shape a profile

SEC registry status: whether the entity appears in the official SEC list of registered lending and financing companies, and whether its authority is active, expired, or revoked.
SEC Memorandum Circular No. 18, Series of 2019: prohibits unfair debt collection practices. Confirmed violations raise the caution score and can trigger a warning label.
NPC Circular No. 20-01: prohibits online lenders from accessing or harvesting phone contacts, photos, and media. Contact-theft reports carry heavy risk weight.
SEC advisories and registration rules can change; launch date alone is not treated as proof of an app's current authority. Profiles are checked against the available regulator record.
Reported unregistered entities begin at elevated risk and are labeled accordingly until official records say otherwise.

Editorial independence

Sponsorship and advertising are strictly separated from editorial and scoring decisions.
Caution scores, SEC status labels, report counts, and moderation outcomes are never for sale.
Advertisers cannot influence which reports appear, how they are moderated, or how a lender is ranked.
Sponsored placements are always labeled #Sponsored and are visually distinct from community content.
Only SEC/BSP-registered institutions may advertise, and predatory lenders are permanently barred.

Corrections and right of reply

We correct factual errors when reliable evidence is provided.
Lenders and individuals named in reports may submit a right-of-reply statement through the contact page.
Where a dispute is credible, we may annotate the profile while the review is ongoing rather than remove verified community reports.

Risk level bands

Low Risk

0–24

Caution scores in this range map to the low risk band.

Medium Risk

25–54

Caution scores in this range map to the medium risk band.

High Risk

55–79

Caution scores in this range map to the high risk band.

⚠ Delikado — maraming reklamo

80–100

Caution scores in this range map to the ⚠ delikado — maraming reklamo band.

For sponsorship that respects these boundaries, see Sponsor & Advertise. For the full legal framing, read our disclaimer.

The 0–100 Caution Score

Each lender profile carries a caution score from 0 to 100. A higher score means more borrower risk signals in the available data.

The score blends the official SEC registry status of the entity, the volume of community reports, the severity of evidence, and the reputation weight of the reporters.

Scores are recalculated as new verified reports, registry changes, or evidence arrive — they are living indicators, not fixed verdicts.

The score is an algorithmic community assessment and never a judicial or regulatory finding.

Regulatory inputs that shape a profile

SEC registry status: whether the entity appears in the official SEC list of registered lending and financing companies, and whether its authority is active, expired, or revoked.

SEC Memorandum Circular No. 18, Series of 2019: prohibits unfair debt collection practices. Confirmed violations raise the caution score and can trigger a warning label.

NPC Circular No. 20-01: prohibits online lenders from accessing or harvesting phone contacts, photos, and media. Contact-theft reports carry heavy risk weight.

SEC advisories and registration rules can change; launch date alone is not treated as proof of an app's current authority. Profiles are checked against the available regulator record.

Reported unregistered entities begin at elevated risk and are labeled accordingly until official records say otherwise.

Editorial independence

Sponsorship and advertising are strictly separated from editorial and scoring decisions.

Caution scores, SEC status labels, report counts, and moderation outcomes are never for sale.

Advertisers cannot influence which reports appear, how they are moderated, or how a lender is ranked.

Sponsored placements are always labeled #Sponsored and are visually distinct from community content.

Only SEC/BSP-registered institutions may advertise, and predatory lenders are permanently barred.