I'm Javier.
This is my way.

Why Creditplan exists

I seek to build an extra source of income and move towards greater financial independence. I started by trying Mintos little by little, to understand the platform and gain confidence before contributing more capital.

I wanted a place to count the journey with its figures: the contributions, the interest collected, the withdrawals, the fees and the money that I keep waiting for. This is how this blog was born.

What I share

I publish balances of my account and articles on the decisions I have made. Each balance sheet identifies its period and its sources. I allocate the new money that I bring from the investment income, and I include costs and delays.

In My experience I'm counting that tour in more detail. blog allows to follow it month by month, and the guides help understand the concepts that appear in the account.

How I prepare the content

I combine my explanations with my revised account data and official Mintos documentation. When data is missing or a figure is provisional, I indicate it. You can consult the methodology and sources.

I write from my personal experience. Investing involves risk of loss of capital, and my results do not guarantee someone else's.

Independence and financing

Creditplan is my personal project and has participated in Mintos’ affiliate programme since 12 October 2026. The partnership is paid. Promotional links have been paused since 3 November 2026. The website retains its own identity and I do not represent Mintos. It is also connected to Google AdSense, with approval still pending.

The page of Transparency explain those incentives and editorial criteria. If you want to comment on an article or point out an error, you can write me from Contact.