Best Online Credit Repair Forums

Michael Collins
May 12, 2021

Are you struggling with the consequences of having a bad credit score? Are you finding it harder and harder to get access to good loans and credit cards without being denied due to credit history? Are you having trouble increasing your credit score? If so, you are not alone. Plenty of Americans are in the same situation and struggle to maintain their credit score. According to an Experian credit review, 16% of Americans have  “poor “FICO scores while 18% only have a “fair” score. This is millions and millions of Americans that are sharing the same struggles of having poor credit. 

Credit repair forums are a great place for individuals like this to learn about others’ experiences, share their own success story, and to learn about strategies to improve their own credit score. These forums can be both interesting and informative and can possibly make a big difference on your credit score. Let’s take a look at some of the best credit repair forums around!

What is a Credit Repair Forum? 

In the days of Ancient Greece and Ancient Rome, public places like agoras and forums were important parts of public communities where individuals could go to discuss ideas, ask questions, hear stories, and even gossip. Since then, the idea of a forum community has not died but instead has continued on. Today, with the use of the internet, online forums like Reddit allow users across the country and across the globe to have discussions just like the Ancient Greeks and Romans did. 

One type of forum that stands to help thousands and thousands of people is the credit repair forum. A credit repair forum is essentially an online chat board where people can post and others can respond to these posts. All over the internet, people participate in credit repair forums to bounce ideas and experiences off of each other in an effort to help others improve their credit scores. You can learn about things other people have done to improve their credit score or helpful tips and tricks they've learned along the way that they want to share. 

Credit scores, credit reports, and everything else about credit can be overwhelming and frankly, can be pretty confusing at times. While blogs like the awesome Possible Finance blog have lots of helpful information about credit, you may have some questions that you can’t find answers for. Credit repair forums are a great place for this. In a credit repair forum, you can ask your question for tens of thousands of eyes to see. Chances are someone else in the forum has had a similar question at some point and they can help to answer your specific question. 

Overall, credit repair forums are a great way to learn about repairing your credit from everyday people as well as a great place to have your toughest credit questions answered. 

Best Credit Repair Forums

Credit repair forums sound pretty awesome, right? You might want to join one, but there are so many. Where should you even look to start? Let’s look at some of the best credit repair forums around that you should take a look at. 

Build your credit history with Possible Finance. 

Download Our App

Road to 750

“Road to 750” is an awesome credit repair forum on Facebook that was founded by the fantastic and proclaimed “queen of making the credit repair process easy,” Shonda Martin. The 750 refers to the FICO credit score of 750 which is considered by many to be where your credit score goes from being “average” to “good.” 

This private Facebook group was founded in 2017 and has since grown to roughly 273 thousand members that participate in this great forum. This forum is full of people, including Shonda Martin herself, giving great advice about how they were able to increase their credit score as well as people getting their most common credit score questions answered.

Despite it being so popular, this Facebook group does a great job of maintaining itself as a useful informational tool for people. This group does not allow solicitation, selling of products, and does not allow for credit shaming to occur. Overall, this is a very accepting group that can be a great place for you to go to learn how to start improving your credit score. 

Aside from the forum, Shonda Martin has a helpful YouTube channel that answers many of the common questions on the forum in great detail as well as a “DIY Kit” that claims to help you improve your credit score by yourself. 


CreditBoards is a longstanding credit repair forum that has been helping people with their credit and other personal finances for 18 years! CreditBoards is a huge forum that is divided into many smaller sub-forums, each with tens of thousands of people discussing credit and their personal finances. 

Sub-forums range from the large “credit forum” (this has 3 million posts!) to other forums like “medical billing and medical conditions”, “bankruptcy”, “mortgages”, “money management” and a “general discussion” forum. All of these forums have great information and have thousands of people answering questions every single day. This can make any of the forums on CreditBoards a great place to go to if you are struggling with your credit or any other aspect of your personal finances. 

All together, CreditBoards is a huge website dedicated to helping people through their credit journey as well as providing resources for other personal finance questions as well. With forums even dedicated to helping “newbies” navigate the forum, CreditBoards is truly a site that wants to help you. 

Credit Magic 

Credit Magic is a slightly ancient looking website, but is nonetheless a credit repair forum that is dedicated to improving the credit score of its users. Similar to CreditBoards, Credit Magic has 5 main forums that are divided into a series of sub-forums each dedicated to one specific issue or one question. The main forum from these 5 forums is the “credit repair” forum but the additional other forums like “budgeting your expenditures” and “debt management” are also very helpful. 

One drawback to the site is that it is not as easy as some of the other forums to find a particular question or to even get your particular question asked. Instead, it is mostly a series of looking at other discussions centered around other people’s questions. 

Aside from the forums, Credit Magic also offers a product from their non-profit organization. This product claims to evaluate your financial health, help budget, create spending plans, and give advice on “cleaning up” your credit. 

Overall, Credit Magic is arguably not as useful as some of the other forums but can still provide a place to find topical information from a community of users. 

Federal Trade Commision (FTC) Forums

The Federal Trade Commision is the government organization that governs many of the business practices across the United States. According to their website, the FTC’s mission is: “Protecting consumers and competition by preventing anticompetitive, deceptive, and unfair business practices through law enforcement, advocacy, and education without unduly burdening legitimate business activity.” The FTC also does not just seek to protect business but they also help to educate and protect individual citizens as well. 

The FTC website arguably offers some of the most information on the entire internet about nearly every topic about credit and personal finances. Further, this information is from the most reliable source of information in the entire country: the government. If you are worried about being misinformed by random individuals on other forums, you do not need to worry about that on the FTC website. You are sure to only find reliable information here. 

The FTC provides information in the form of “blogs.” At the end of these blogs is the forum aspect of the website. Here, there are a series of questions asked by individuals. These questions are then personally answered by the FTC staff with comprehensive and useful responses. These responses not only help to clarify questions but they also offer advice on some steps to take to help build your credit. 

A drawback from this site however is that other people cannot respond to your questions. You likely have very specific questions that the FTC could not answer that individuals with similar experiences as you likely would be able to answer on other forums. Further, there is no telling you will get your question answered. The FTC is the only entity that can answer your question on the site instead of other forums where hundreds of thousands of people have the opportunity to answer your question. 


If you use Reddit or are familiar with it, you know that it is one of the largest forums in the entire world and has a discussion forum for essentially every topic that could possibly be discussed. As such, there are more than just one credit repair forums that can be helpful. Let’s look at some of our favorite reddit forums. 

(note that forums on Reddit are distinguished using “r/” followed by the name of the forum)


Imagine having millions of eyes looking over your most important personal finance questions. This is the case with r/personalfinance. This forum is one of the more popular forums on Reddit with 14.5 million members! That’s 29 million eyeballs. According to the forum, the description of the forum is, “Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Join our community, read the PF Wiki, and get on top of your finances!”  

While this forum is not as credit-repair oriented as some of the other forums, it offers the benefit of having a huge amount of users that are constantly on the page. This means that your question about credit repair is likely to get answered quickly.


r/CreditRepair is a Reddit forum that is much smaller than the personal finance forum (only has 4.3k users) but is more tailored toward fixing a poor credit score. Here you will find much more specific advice and more specific questions that specifically discuss repairing your credit instead of a variety of other topics you see in the personal finance forum. 

While this is a helpful forum, other forums like Road to 750 have larger followings and you are more likely to get a better answer to your questions there. 


r/CRedit (creative name, right?) is another Reddit forum dedicated to credit repair. Compared to r/CreditRepair, this forum has about 15 times more users but provides the same helpful content. According to their description, r/CRedit hopes to be a community forum that improves your credit, keeps your credit healthy, and gives support and advice for important decisions that can affect your credit, like getting new credit cards and loans. 

Overall, this specific forum is very friendly and helpful and provides experiences, tips, and advice for how you can improve your credit. 

Possible Finance Blogs 

While we don’t provide a forum format (yet), our blogs are a great resource to get comprehensive and helpful information on all of your credit needs. Every week we release articles about various topics like credit score, loans, credit cards, cash advances, and many other topics that relate to credit scores and personal finances. Check out our blogs and browse through our categories and check out some of our content. We work hard to inform our readers the best we can and we seek to help you, just like these other forums do! 

However, we at Possible Finance are not just a personal finance blog. We are a company that seeks to disrupt the payday loan industry by offering borrowers loans that cannot get loans at other places. Further, we build credit for these borrowers when they pay back these loans, which is something the payday loan industry fails to do. 

If you have a bad credit score and are in need of cash, consider building your credit history with Possible Finance so you can be on your way to financial freedom by graduating out of the need for credit card debt!

Check out our blogs or download our app today! 

Michael Collins

Michael has a passion for writing and has since brought that passion to Possible. He enjoys reading everything there is to know about film, sports, and finance. His studies in college allow him to be on the forefront of business knowledge so he can better inform his readers.

Sign up for our newsletter

Need Cash? Get up to $500* with Possible.