The firms we won’t take money from

12 verified firms below the recommendation bar · Zero affiliate links · Firewall enforced in code

A review site that only rates firms well is an advertisement. Every firm below got the same treatment as the firms we recommend — the same published criteria, the same per-variable evidence trail — and landed below our bar. They stay published, they carry a Research Onlylabel, and they earn us nothing: the affiliate route physically cannot exist for a firm scoring under 50 or one we don’t recommend. No commission rate changes that. These verdicts are what make the positive ones worth anything.

Think a verdict here is wrong? Firms can dispute any scored variable with documentary evidence via the contact page— disputes are judged against the methodology, never against a commercial relationship. Corrections we’ve made are logged publicly on the corrections page.