Methodology

Chain Ratings scores every provider on one fixed rubric, applied the same way every time. This page breaks down each criterion, its weight, and the reasoning behind it.

Scoring Criteria

Our Data Sources

Scores are built on information drawn from a provider's own published terms and fee pages, official statements, and independent reporting where it exists. Any facts shown in a review's "at a glance" table get refreshed as part of our regular content updates.

Keeping This Current

Reviews get periodically re-checked for fee, policy, and status changes. The "Updated" date shown reflects when we last verified it, separate from when the provider itself changed anything.

Flagging a Score

Spotted a score that seems wrong? Reach out via our contact page - we'll review it against this exact methodology and correct it where warranted.