r/credit

Community Overview
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About r/credit

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

The community at a glance

r/credit is a Subreddit for Points Chasers with roughly 368K members. It has been around since 2008. It uses a forum format for communication. On the Hive Index it ranks #8 in the Credit Cards communities list.

Roughly 65K members have joined in the past year. Popular discussion topics include Credit Card, Credit Score, and Credit. Common discussion themes are Advice Requests and Money Talk. Product recommendations often mention credit card, auto loan, and credit repair.

On Reddit
Established 2008
368K Members

Community Topics

Community Features

Forum

This community has a forum

Subreddit Analysis

via GummySearch
Yearly: +65K members
Growth: +21.4% / year

Member growth over time

All time (yearly)

  • 2013: 75 members
  • 2014: 2K members
  • 2015: 1K members
  • 2016: 2K members
  • 2017: 2K members
  • 2018: 5K members
  • 2019: 17K members
  • 2020: 26K members
  • 2021: 29K members
  • 2022: 24K members
  • 2023: 38K members
  • 2024: 80K members
  • 2025: 99K members
  • 2026: 43K members

Past year (monthly)

  • Nov: 10K members
  • Dec: 7K members
  • Jan: 7K members
  • Feb: 6K members
  • Mar: 7K members
  • Apr: 6K members
  • May: 6K members
  • Jun: 2K members
  • Jul: 2K members
  • Aug: 2K members
  • Sep: 2K members
  • Oct: 2K members

Themes

  • Advice Requests
    25 posts in the past month
    1. Goodwill letter success
    2. Received Fraud Letter From TransUnion About an Authorized Hard Pull
    3. Please help me boost my score, what's the best way to increase my score? What should I do?
    #1
    Advice Requests
    Goodwill letter success · Received Fraud Letter From TransUnion About an Authorized Hard Pull · Please help me boost my score, what's the best way to increase my score? What should I do?
    25
  • Money Talk
    7 posts in the past month
    1. Tackling old cc debt
    2. Aldous Debt for Golds Gym
    3. Trying to do a balance transfer - No one knows name of account?
    #2
    Money Talk
    Tackling old cc debt · Aldous Debt for Golds Gym · Trying to do a balance transfer - No one knows name of account?
    7
  • Pain & Anger
    4 posts in the past month
    1. Is my credit messed up for 7 years?
    2. Frustration getting Equifax report through ACR
    3. Trying to Recover from Dumb Decsions
    #3
    Pain & Anger
    Is my credit messed up for 7 years? · Frustration getting Equifax report through ACR · Trying to Recover from Dumb Decsions
    4
  • Solution Requests
    3 posts in the past month
    1. Crunch Fitness collection. I paid the account, but it was still sent to collections. What should I do?
    2. Hoping to get a new credit card, what are some good options for me given my situation?
    3. What else can i do to fix my score ?
    #4
    Solution Requests
    Crunch Fitness collection. I paid the account, but it was still sent to collections. What should I do? · Hoping to get a new credit card, what are some good options for me given my situation? · What else can i do to fix my score ?
    3

Topics

  • Credit Card
    17 posts in the past month
    1. Novio SBM credit card successfully closed
    2. Hoping to get a new credit card, what are some good options for me given my situation?
    #1
    Credit Card
    Novio SBM credit card successfully closed · Hoping to get a new credit card, what are some good options for me given my situation?
    17
  • Credit Score
    17 posts in the past month
    1. 750+ credit score, never been able to take a loan
    2. Credit score 643
    3. Surprised by my first credit scores (769 FICO / 721 Vantage after 5 months). What’s next?
    #2
    Credit Score
    750+ credit score, never been able to take a loan · Credit score 643 · Surprised by my first credit scores (769 FICO / 721 Vantage after 5 months). What’s next?
    17
  • Credit
    16 posts in the past month
    1. Is my credit messed up for 7 years?
    #3
    Credit
    Is my credit messed up for 7 years?
    16
  • Loan
    11 posts in the past month
    1. Loan for $3,000
    2. Student loans decreased score
    3. I'm trying to get a car loan but was denied due to serious delinquency (late payments on credit cards). How long will the late payments recovers?
    #4
    Loan
    Loan for $3,000 · Student loans decreased score · I'm trying to get a car loan but was denied due to serious delinquency (late payments on credit cards). How long will the late payments recovers?
    11
  • Credit Report
    10 posts in the past month
    1. Closed my Merrick card and the old late payment turned into “ND”
    2. Experian only going up 5 points after 2 months
    3. did Experian glitch screw me over?
    #5
    Credit Report
    Closed my Merrick card and the old late payment turned into “ND” · Experian only going up 5 points after 2 months · did Experian glitch screw me over?
    10

Flair

  • General
    69 posts in the past month
    1. 750+ credit score, never been able to take a loan
    2. Thought is this offer ? From prosper
    3. Credit Myth #104 - Reporting a balance is the same thing as carrying a balance.
    #1
    General
    750+ credit score, never been able to take a loan · Thought is this offer ? From prosper · Credit Myth #104 - Reporting a balance is the same thing as carrying a balance.
    69
  • Rebuild
    34 posts in the past month
    1. Slowly but trying to get there
    2. Apple Card limit lowered after large payment
    3. Is my credit messed up for 7 years?
    #2
    Rebuild
    Slowly but trying to get there · Apple Card limit lowered after large payment · Is my credit messed up for 7 years?
    34
  • Collections & Charge Offs
    34 posts in the past month
    1. Credit One
    2. Should i wait til October 2027 or negotiate a P2D Letter?
    3. First collections
    #3
    Collections & Charge Offs
    Credit One · Should i wait til October 2027 or negotiate a P2D Letter? · First collections
    34
  • Success
    11 posts in the past month
    1. A win. It's true... American Express gives 3 times a limit's increase
    2. Slowly but surely
    3. Goodwill letter success
    #4
    Success
    A win. It's true... American Express gives 3 times a limit's increase · Slowly but surely · Goodwill letter success
    11
  • Car Loan
    5 posts in the past month
    1. I’m upside down in my loan and now my car needs a new engine
    2. Charged Off auto loan and Bankruptcy
    3. Chase Auto Approval Today
    #5
    Car Loan
    I’m upside down in my loan and now my car needs a new engine · Charged Off auto loan and Bankruptcy · Chase Auto Approval Today
    5

Product recommendations

  • credit card
    14 posts in the past month
    1. Whats the best credit card for credit repair?
    2. What would be best first credit card to get with a 600 score
    3. Can someone recommend a credit card that I am likely to be approved for?
    #1
    credit card
    Whats the best credit card for credit repair? · What would be best first credit card to get with a 600 score · Can someone recommend a credit card that I am likely to be approved for?
    14
  • auto loan
    5 posts in the past month
    1. Best strategy for auto loan
    2. Best credit unions to get an auto loan from with fair credit
    3. What's the best way to get an auto loan for 10k if I have a 545 score?
    #2
    auto loan
    Best strategy for auto loan · Best credit unions to get an auto loan from with fair credit · What's the best way to get an auto loan for 10k if I have a 545 score?
    5
  • credit repair
    4 posts in the past month
    1. What’s the best credit repair route that actually works long-term? DIY isn’t cutting it anymore
    2. Which credit repair company do you recommend?
    3. Recommended credit repair companies??
    #3
    credit repair
    What’s the best credit repair route that actually works long-term? DIY isn’t cutting it anymore · Which credit repair company do you recommend? · Recommended credit repair companies??
    4
  • personal loan
    3 posts in the past month
    1. What is the best personal loan lender?
    2. What is the best option for a short term loan of about $300?
    3. Need advice on alternatives to personal loan/auto loan to meet my recommended quota for Mix of credit. Help.
    #4
    personal loan
    What is the best personal loan lender? · What is the best option for a short term loan of about $300? · Need advice on alternatives to personal loan/auto loan to meet my recommended quota for Mix of credit. Help.
    3
View full analysis on GummySearchSynced 10/15/2026

Frequently asked questions

Who is r/credit for?
Best for Points Chasers enthusiasts looking for a Reddit-based community with forum discussion.
Is r/credit free to join?
This listing is not marked as paid-only. Access rules and any fees are decided by the community.
How many members does r/credit have?
Roughly 368K members, based on figures reported by the community or its host. Member counts are approximate and change over time.
What platform is r/credit on?
r/credit runs on Reddit. Reddit communities (or "subreddits") are forum-based groups on the popular social news aggregation, web content rating, and discussion website Reddit. Reddit is commonly known as "the front page of the internet". Users submit content to the site such as links, text posts, and images, which are then voted up or down and discussed by other members. From investing Reddit communities, to professional ones, to ones just for laughs, you're likely to find a community for you on Reddit.
What topics does r/credit cover?
On the Hive Index, r/credit is organized under Points Chasers.
How do I join r/credit?
You can join r/credit by clicking this link, or pressing the "Go to community" button above.
What are the Credit Cards communities like?
Communities for credit card churning, rewards optimization, and discussing the best credit card deals, sign-up bonuses, and current offers.
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Added 10/14/2026

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