Credit Repair Post Ideas—What Do People Actually Want to Know?

J

Jason cook

Member
I’ve recently started getting into content creation around credit repair and financial wellness, and I’m brainstorming ideas for posts that are actually useful to people not just the same surface-level stuff you see everywhere.

If you’ve been working on fixing your credit (or helping others do it), I’d love to hear from you:
  • What kind of posts grabbed your attention when you started your journey?
  • What questions did you have in the beginning that no one really answered?
  • What should people be talking about when it comes to credit repair that often gets overlooked?
 
When I first started repairing my credit i really wanted to understand how utilization actually works. Like is 29% a magic number or just a suggestion. A deep dive on the impact of 10% vs. 30% utilization would’ve been clutch.
 
Posts that talked about the emotional side of bad credit helped me most. I felt ashamed and seeing others share the same experience made me stick with it. More vulnerability less shame. We need that
 
Why does no one ever talk about how long this crap actually takes? Everyone says fix your credit fast but no one explains that fast still means 6–12 months minimum if you’re doing it right
 
What got me hooked was a post breaking down exactly what happens in a credit dispute. Like who reviews it, what timeline they’re under legally, what counts as sufficient evidence. That level of detail is rare.
 
I didn’t even know medical debt could be removed if it was over 7 years old and not re-verified. That would’ve saved me months. A post about outdated info and how to legally challenge it is gold
 
Posts that remind you you're not dumb for not knowing this stuff. Credit reports aren’t exactly beginner-friendly and most of us weren’t taught any of it in school
 
Everyone acts like paying off collections makes everything better. It doesn’t. Your score might even drop short-term. Talk about that! Be real about what repair actually feels like
 
Credit Karma is not enough. Show people how to pull real reports from AnnualCreditReport.com and analyze that. The details matter
 
Would love a post breaking down what a goodwill letter is and who it actually works for. I keep seeing it mentioned but no idea if it's legit or just wishful thinking
 
A weekly progress tracker template might sound silly but for people like me, small wins kept me motivated. Like celebrate getting an inquiry removed. That stuff matters.
 
A breakdown of how credit scores work by model would be awesome. VantageScore vs FICO 8 vs FICO Auto Score? No one told me why my score changed depending on the site i used
 
Honestly post one of those Here’s what i paid vs what changed lists. Some deletions didn’t move my score at all. You’ll save people time and therapy bills.
 
More posts that say here’s what I did with a 600 score and how i still bought a house not just about boosting the number but about living while rebuilding
 
Wish someone had told me to look for pattern errors on reports. Like same account duplicated with different names. One post about common bureau errors could save folks months.
 
Some of us are dealing with credit trauma after DV, medical bankruptcy, etc. Content with kindness and sensitivity would go a long way. Not everything is about just numbers
 
When i started i just wanted someone to explain what happens if i don’t pay collections. Like real talk not scare tactics. I didn’t care about building credit yet, i just needed help stopping the bleeding
 
breakdowns of letters that actually worked. Show before-and-after results. I always see send a 609 letter but no one ever tells you if it actually did anything.
 
I clicked on anything that explained how credit utilization actually affects your score. That 30% number is thrown around like gospel but nobody told me it wasn’t a fixed rule. I learned that from a TikTok, not a blog
 
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