How we rate

Every fact comes from official sources and is stamped with a verification date. We re-check fees quarterly and document requirements twice a year. Each service page shows when its data was last updated.

The 0–100 score is built from verified facts with published weights. No-DNI access and the real document list carry the most weight — our core focus. We never charge for ranking position.

The editorial score (from us) and the user score (from reviews) are calculated separately and never merged, so expert judgement and lived experience stay distinct.

Facts go stale, so each field has a re-check schedule: fees and rates quarterly, document requirements twice a year, features when a provider announces a change. Fields past their schedule are queued for re-verification and flagged on the page.

Anyone can report incorrect data. A report with a cited source becomes a correction proposal — it never overwrites live data. An editor checks the source before publishing, and every change is kept in a per-field history so you can see what changed and when.

Some links are referral links: if you open an account through them we may be paid. This never affects the score, the catalog order or the review text. Ratings don't depend on any partnership.