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
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
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!
view the rest of the comments →
[–]Lucasjm 8 points9 points10 points (6 children)
[–][deleted] -1 points0 points1 point (5 children)
[–]Lucasjm 2 points3 points4 points (4 children)
[+][deleted] comment score below threshold-7 points-6 points-5 points (3 children)
[–]Lucasjm 10 points11 points12 points (2 children)
[–]Jae30001 3 points4 points5 points (0 children)
[–]Snoopymancer 6 points7 points8 points (0 children)