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


Public description

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.#### Description ##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

Some Lesser Known Bureaus

Free Credit Monitoring

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

Identity Theft

Freezing Your Credit Reports

Disputing Incorrect Information

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!

  • /r/BusinessHub
  • /r/PersonalFinance
  • /r/StudentLoans
  • /r/CreditCards

###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!######

The most common phrases the members use:

credit score
credit card
told them
june 2020
auto loan

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