r/CreditScore is a subreddit with 114k members. The most common kinds of discussions are advice requests and solution requests, and the community frequently discusses credit score, struggling, credit card, credit score improvement, and payment, and they frequently recommend/review companies, credit card, and car loan.
A subreddit for discussing any aspect of credit scores. It is important to not misuse or overextend the credit you are given. Please ask questions and contribute to the knowledge surrounding credit scores.
Popular Themes in r/CreditScore
#1
Advice Requests
: "I want to get an auto loan by January what can I do to improve I’m just about maxed out on my cards"
32 posts
#2
Solution Requests
: "I want to raise my credit"
2 posts
Popular Topics in r/CreditScore
#1
Credit Score
: "is a 650 Credit Score as a 19 year old without a credit card a good score?"
17 posts
#2
Struggling
6 posts
#3
Credit Card
: "Does carrying a small balance (~5-10%) on a Credit Card lower credit score"
5 posts
#4
Credit Score Improvement
: "I want to get an auto loan by January what can I do to improve I’m just about maxed out on my cards"
5 posts
#5
Payment
: "7 years of diligently saving, and not missing Payments. back then i was at 540. grateful"
4 posts
#6
Debt
: "Process around charge offs?"
4 posts
#7
Loan
: "I want to get an auto Loan by January what can I do to improve I’m just about maxed out on my cards"
3 posts
#8
Plan Of Action
: "Plan Of Action"
3 posts
#9
Frustrating
2 posts
#10
Credit Score 800
: "I hit the top!"
2 posts
Products Discussed in r/CreditScore
Companies
2 reviews
#1
Beyond Finance
4.0★ from 1 review
#2
Family Credit Management
5.0★ from 1 review
Credit Card
1 review
#1
Savor
4.0★ from 1 review
Car Loan
1 review
#1
Credit Union
3.0★ from 1 review
Flair Used in r/CreditScore
#1
General
: "So this happened today!!! not sure how it went up 80 points"
32 posts
#2
Rebuild
: "22 y/o credit score dropped 114 points"
18 posts
#3
Collections & Charge Offs
: "Paid off a collection"
12 posts
#4
Success
: "Flawless Victory"
5 posts
#5
Auto Loan
: "I want to get an auto loan by January what can I do to improve I’m just about maxed out on my cards"
2 posts
#6
Data Point
: "Another goodwill request win - Credit One"
2 posts
#7
No Credit
: "No credit score?"
2 posts
#8
FICOvsVantage
: "VantageScore 3.0: **ONLY** 9 accounts on my credit report is seen as a negative!?!?"
2 posts
#9
Mortgage
: "**Can I realistically get my mortgage score from 556/580 to 620\+ within a year?**"
2 posts
#10
Not USA
: "is a 650 credit score as a 19 year old without a credit card a good score?"
2 posts
Member Growth in r/CreditScore
Yearly
+35k members(45.2%)
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About
GummySearch helps people research Reddit communities by organizing activity, growth, themes, and post-level signals into one place.
This page gives a focused view of r/CreditScore, including current member size, discussion patterns, product reviews, and related communities to explore.
This data is synced periodically so insights stay current and useful for ongoing research.
Last updated: October 2, 2026