Credit Repair Questionnaire – What Should Be Included?

A

alex 008

Member
I’m in the process of putting together a credit repair questionnaire, and I wanted to get some input from others who’ve either created one or used one before.
Whether you’re running a credit repair business or just helping friends and family, what kind of questions do you think are most important to include? I’m thinking about sections for basic personal info, credit goals, current issues (like late payments or collections), and maybe a section to upload or list out account details.
 
Definitely include a section about current disputes in progress. You’d be surprised how many people forget they already challenged something six months ago. Also: monthly budget, credit goals (buying a home, raising score to 700+), and a section for credit monitoring services used. Makes it easier to strategize.
 
Ask what their top 3 credit goals are. Buy a car, refinance student loans, or just get outta debt are wildly different plans. The roadmap has to match the destination. Throw in a multiple-choice list of priorities and let them tick boxes.
 
One thing I never see is a section asking about emotional relationship with credit. Like, do they get anxious checking their score? Do they avoid calls from collectors? That mindset stuff matters. If they’re terrified of bills, that’s a whole psychological layer you gotta address too.
 
Yes to account listing but make it optional for those not ready to disclose everything upfront. A comfort zone rating (1–10) could be cool too. Some people are open books, others need time. I’d also add a How did you hear about us? section for tracking.
 
Include business credit stuff if you’re dealing with entrepreneurs. Like, EIN setup, Paydex score, net-30 accounts. Most folks don’t even know they’ve got a personal guarantee tied to their business cards. That’s a landmine.
 
Ask if they’ve frozen their credit. It’s a simple yes/no but HUGE for fraud prevention. Also: any recent name changes, address mismatches, or ID theft issues. Gotta get the personal info clean before fixing the numbers.
 
You need to break out types of issues they’re facing late payments, charge-offs, bankruptcies, collections, repos, etc. Some need to start with goodwill letters, others need full-on settlement negotiations.
 
Just curious, how do you make sure people are telling the truth? Like, I’d 100% lie if I thought it would help my score faster. Maybe add a what are you most nervous about sharing? field to open that up.
 
Make it mobile-friendly. Half the people filling this out are on their phones during lunch breaks. Dropdowns and checkboxes help. Avoid huge text boxes they intimidate people.
 
Put in a spot for Last time credit was checked and Do you have the full credit report PDF? Some folks only have their Experian score and think that’s all there is. Gotta nudge them toward annualcreditreport.com.
 
I’d throw in something like Rate your credit health from: Hospitalized to Olympic Shape. People love sliders and quirky labels. Makes the form feel less like a job interview.
 
What about Current monthly debt payments? Gives you a quick debt-to-income feel. Also, ask if they’ve ever done a balance transfer or used credit builder tools like secured cards or Self.
 
Include a section for major life events...divorce, job loss, medical issues. A lot of credit damage isn’t from poor habits but life smacking people sideways. That context really matters.
 
Consider a disclaimer at the end with something like ....I understand this is not legal advice etc. Credit repair toes that legal line and CYA is always a good move.
 
Do you include any budgeting questions? Because honestly, if folks don’t fix their spending, they’ll be back in a year. Credit repair ain’t just deletions—it’s behavioral.
 
If you’re working with immigrants or folks with English as a second language, keep language simple and visual. Maybe icon-based sections or tooltips?
 
Include: “Do you co-sign for anyone else?” or “Are you an authorized user?” Because sometimes THEIR credit drama is dragging the person down, and they don’t even know it.
 
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