Skip to content
43dotsSite information

Corrections

When I get something wrong, or an official figure changes and a page falls out of date, I fix it and log it here. This page is the record.

Rates, thresholds and tax rules change, and mistakes happen. If you spot an error, email hello@43dots.com with the page and the problem. Confirmed errors are corrected quickly, and material corrections are listed here with the date.

Logged corrections

  • 2026-10-07 · How to get your free credit reports, the official way
    The article led with one free report a year from each bureau and only hinted that more might be available. Free weekly reports from all three bureaus at AnnualCreditReport.com are permanent, per the FTC, and the article now says so.
  • 2026-10-07 · The 30% credit utilization rule is not a real threshold
    The article said utilization has no memory, so only this month's reported balance matters. That holds for older score versions, but FICO Score 10T uses at least 24 months of trended data and VantageScore 4.0 looks back up to two years.
  • 2026-10-07 · How federal tax brackets actually work
    The worked example said a single filer earning $120,000 was in the 24% bracket. With the 2026 standard deduction their taxable income is $103,900, below the $105,700 start of the 24% band, so they are in the 22% bracket. The effective rate at $250,000 was also given as about 21%; it is 20.5%.
  • 2026-10-07 · 6 money jobs ranked by what they pay per hour of your time
    The article described the CFPB's $5 overdraft rule as taking effect. Congress disapproved that rule (Public Law 119-10, May 9, 2025), so it never took effect; that job was replaced. The credit card job also counted the saving over the whole payoff ($1,536.61) instead of the first year ($129.64) that the ranking uses. The ranking was recomputed with current FDIC and IRS figures.
  • 2026-10-07 · How credit card interest works
    The article said payments mostly go to the lowest-rate balance. Under 12 CFR 1026.53 every dollar above the minimum payment must go to the highest-rate balance first; only the minimum can go to the lower rate. It also said regaining a lost grace period usually takes two full payments; on common card terms one full payment of the statement balance restores it. The minimum-payment example was recomputed at the Federal Reserve's current average rate.
  • 2026-10-07 · Is a balance transfer worth it?
    The article said a transfer with a 3% fee is usually worth it above about 12% APR. The computed break-even is far lower: about 3% to 5% APR for a 15 to 21 month offer. The interest-avoided figures were also recomputed.
  • 2026-10-07 · 2027 federal tax brackets: projected figures
    The article said bracket thresholds round down to the nearest $50. Single-filer thresholds round down to a multiple of $25 (joint and head of household to $50). It also described the 2026 inflation adjustment as a flat 2.7%, which is not how the thresholds moved. The projections were rebuilt on the statutory method and the latest BLS data.
  • 2026-10-07 · Debt-to-income ratio explained
    The 28/36 guideline was presented as a mortgage underwriting rule. It is a CFPB rule of thumb; the article now gives the actual program limits (Fannie Mae, FHA, VA) and notes that the 43% Qualified Mortgage cap was removed, mandatory from October 1, 2022.
  • 2026-10-07 · How much emergency fund do you actually need?
    The article said a $300 monthly transfer builds one month of cover (on a $3,800 month) in about four months. It takes about 12.7 months, and three months of cover takes 38 months.
  • 2026-10-07 · Do credit card rewards actually pay?
    The example said a 5% rotating-category card earns $300 a year on $2,000 a month. Spending the full quarterly bonus cap gives $480, the same as a flat 2% card.
  • 2026-10-07 · APR vs interest rate
    The article said an origination fee means you borrow more, which raises the fee again. That is not how a fee deducted from the loan works: interest runs on the full amount while you receive less. The comparison now computes the APR for each offer at stated terms.
  • 2026-10-07 · How long negative items stay on your credit report
    The article said the seven-year period for collections runs from the original delinquency. Under 15 U.S.C. 1681c the seven years begin 180 days after the delinquency started, so about seven and a half years from the first missed payment.
  • 2026-10-07 · Secured vs unsecured credit cards
    The article said a secured card's limit equals the deposit. That is common but not universal: at least one major issuer opens a line larger than the deposit.
  • 2026-08-04 · Samsung Galaxy Card vs. Apple Card (withdrawn, from the site's earlier India edition)
    The article stated the Samsung Galaxy Card in India was issued in partnership with HDFC Bank, and gave cashback figures as approximate ranges. Samsung's India card was issued with Axis Bank, and the cashback figures were not verified against a primary source. The article was unpublished rather than corrected, because its underlying sourcing was unreliable. This error is the reason the sourcing rules in the editorial policy were rewritten.

How errors are kept out

Every number on the site has to come from a primary source I opened myself: the IRS, the Federal Reserve, the CFPB, the FDIC, FICO or a credit bureau, or the institution's own page. Where a figure is a projection rather than an official number, the text says so and shows the method. See the editorial policy for the full process.