r/CRedit

110K archived posts · Jun 2009 – Sep 2026

Credit Repair - Improve your credit, your score, and understand how to manage your credit

r/CRedit

CRedit's main goal is to improve your credit, keep it healthy, and support you in decisions that you make that may affect your credit livelihood. We are here to support you if you need an advice on closing/opening a credit card, improving your credit scores, removing inaccurate information from your report, qualifying for a new card/mortgage/loan, investigating unknown information on your report and much more.

Created Dec 5, 2008

236KMembers (last snapshot)

110KArchived posts

##What is r/CRedit?## r/CRedit's main goal is to improve your credit, keep it healthy, and support you in decisions that you make that may affect your credit livelihood.

We are here to support you if you need an advice on closing/opening a credit card, removing negative information from your report, qualifying for a new card/mortgage/loan, investigating unknown information on your report and much more.

###Useful Links### Free Annual Credit Report

annualcreditreport.com

The Big 3 Credit Bureaus

Equifax
Experian - Free FICO 8 / Monitoring
TransUnion

Some Lesser Known Bureaus

Free Credit Monitoring

WalletHub - Transunion
CreditKarma - TransUnion & Equifax
CreditSesame - Transunion

Free FICO Scores

Experian - FICO 8 Experian
Credit Score Card - FICO 8 Experian by Discover
Discover, Amex, Wells Fargo, and other banks / credit unions provide various FICO scores for customers.

FICO Mortgage Scores / Pay Only

myFICO.com - Definitive source
Experian - FICO 2 Only

Identity Theft

IdentityTheft.Gov US Only
VISIT EU & Several Partners Only

Freezing Your Credit Reports

Guide To Freezing Your Reports

Disputing Incorrect Information

CFPB Step by Step Guide

Miscellaneous

Statute of Limitations by State
[Medical Collections Information / Guide] (https://www.reddit.com/r/CRedit/comments/hrhvqm/ulpt_how_to_dispute_medical_debt_the_right)
[Credit Score and Car Loans] (https://www.reddit.com/r/CRedit/comments/hmjgni/how_different_credit_scores_impact_auto_loans)

###Wiki Links/Guides### Checkout the full wiki here!

###Related Subreddits### Getting your credit in order sometimes requires you to also get a reign on your life overall. Consider checking out these reddits to do just that!

###General Rules### Please keep these general guidelines in mind when participating in r/CRedit

Don't Shame Others / Name-calling / Personal Attacks - Everybody makes mistakes in their life and this platform is here for us to work together to correct them. You will not be welcome in this sub if you attack others.

Keep things civil. Insults, slurs, name-calling, going off topic, personal attacks, etc. are not wanted and will result in a ban.

No Link Shorteners/Referrals - Any use of a link shortener or referral will result in an immediate and permanent ban.
No Self-promotion - No self promotion of your services, products, videos, etc. This sub-reddit is for sharing information directly in the community. No asking for DMs or emails. Violation is an immediate and permanent ban.
No credit repair company / services posts - No posts asking about hiring a credit repair company or service are allowed. Please see the wiki to see the general r/credit consensus on using such companies. Posts will be auto removed. Attempts to work around automod will result in a permanent ban.
No promoting fraud - Posts or comments encouraging others to commit fraud will be removed and will result in a permanent ban. This includes buying tradelines, CPNs, etc.
No academic studies / surveys without approval - All surveys / studies must have prior r/credit mod approval and must have IRB approval. See this post for details.

###Disputing/Validation Are Your Tools ###

As much as credit card companies, loan companies, banks or debt collectors can tarnish your credit and financial freedom with a single keystroke, the USA has laws for the consumer - YOU! As much as a car repo company wants to list a $8000 debt on your report it is your legal right to challenge the validity of that debt and the bureaus themselves. They are required to keep records that allow them to list that negative information on your report. If they are not keeping the appropriate and legal paperwork, they are not allowed to list that account on your reports.

######Enjoy the Wiki? Join the community in our main reddit!######

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