{ "subreddit": "r/CRedit", "page": "https://redlisten.com/r/credit", "updated": "2026-11-09T07:27:23.379Z", "members": 370801, "activity": { "posts_last_24_hours": 20, "posts_per_hour": 0.9, "comments_per_hour": 16.6, "newest_post_utc": 1794209078.332, "newest_comment_utc": 1794202831.016 }, "top_threads_this_week": [ { "title": "FICO 8 Up 140 points after Experian deleted a derogatory mark", "score": 314, "comments": 33, "created_utc": 1794111694.67, "snippet": "The derogatory mark was 4 years old, but it was paid in full back in 2023 to the original creditor, although its status was already in collections and had been ever since. Was able to get it...", "url": "https://www.reddit.com/r/CRedit/comments/1xqpmy9/fico_8_up_140_points_after_experian_deleted_a/" }, { "title": "Should I just go ahead and file for bankruptcy???", "score": 284, "comments": 115, "created_utc": 1793821616.409, "snippet": "", "url": "https://www.reddit.com/r/CRedit/comments/1xnxvwk/should_i_just_go_ahead_and_file_for_bankruptcy/" }, { "title": "Why do lender refuse to speak when you record their calls? Why do They record if they dont want you to record?", "score": 133, "comments": 143, "created_utc": 1793887309.97, "snippet": "This is just something Im genuinely curious about, its beenbmy experience across the board. Capital One, Citibank, CreditOne, Flagship. Can anyone answer this question with some legal insight? A...", "url": "https://www.reddit.com/r/CRedit/comments/1xoje0f/why_do_lender_refuse_to_speak_when_you_record/" }, { "title": "Back to 850", "score": 92, "comments": 15, "created_utc": 1793917511.763, "snippet": "​It doesn't mean I am wealthy, but rather that I am financially stable. What have I done? Paid off credit card every month 🤪", "url": "https://www.reddit.com/r/CRedit/comments/1xow8ke/back_to_850/" }, { "title": "Progress", "score": 81, "comments": 15, "created_utc": 1793832388.039, "snippet": "A year and month ago I took credit building serious and my Experian was at 518 with 7 collections. Today the last collection has been removed! Still have a little more to go but I’m glad where I’m...", "url": "https://www.reddit.com/r/CRedit/comments/1xo2dsb/progress/" }, { "title": "What do I do?", "score": 71, "comments": 26, "created_utc": 1794116054.319, "snippet": "So I took out a 17k loan through Synchrony Bank for dental work 2 years ago. The terms were no interest if balance paid in full in 2 years. I was never late and never missed a payment, then paid...", "url": "https://www.reddit.com/r/CRedit/comments/1xqqw3f/what_do_i_do/" }, { "title": "Credit Karma prequalified me for a personalized 8.99% APR loan. Final offer was 21% APR with $2,500 in fees.", "score": 69, "comments": 18, "created_utc": 1793997921.603, "snippet": "Just wanted to share my recent experience as a heads-up for anyone considering a debt consolidation loan through Credit Karma. I'm not suggesting this is a common occurrence, or that it wasn't...", "url": "https://www.reddit.com/r/CRedit/comments/1xpno04/credit_karma_prequalified_me_for_a_personalized/" }, { "title": "40 point increase", "score": 68, "comments": 16, "created_utc": 1793757370.845, "snippet": "I paid off my collection ($140 with Geico) and disputed it with Experian. Collection was deleted today and my score increased by 40 points!", "url": "https://www.reddit.com/r/CRedit/comments/1xnbvod/40_point_increase/" }, { "title": "I'm Free of Credit One", "score": 43, "comments": 21, "created_utc": 1793823618.848, "snippet": "I just wanted to share that I'm free from Credit One Bank. I got serious about my finances about a year ago. I paid off all of them and changed my habits. I have had my 2 Credit One credit cards...", "url": "https://www.reddit.com/r/CRedit/comments/1xnyr15/im_free_of_credit_one/" }, { "title": "It finally happened. It’s amazing.", "score": 21, "comments": 4, "created_utc": 1794029996.061, "snippet": "I guess we would call the success, but since I see the scenario posted often I thought I would post my outcome of this scenario In 2017 I was a little terrible head on collision I could no longer...", "url": "https://www.reddit.com/r/CRedit/comments/1xpypzb/it_finally_happened_its_amazing/" } ], "newest_posts": [ { "title": "Apple Card Charge off", "score": 1, "comments": 0, "created_utc": 1794209078.332, "url": "https://www.reddit.com/r/CRedit/comments/1xrldb0/apple_card_charge_off/" }, { "title": "How to prepare/respond to lawsuit being filed against you?", "score": 1, "comments": 0, "created_utc": 1794203723.727, "url": "https://www.reddit.com/r/CRedit/comments/1xrjvt9/how_to_preparerespond_to_lawsuit_being_filed/" }, { "title": "Question about my credit report via Experian", "score": 2, "comments": 1, "created_utc": 1794199368.952, "url": "https://www.reddit.com/r/CRedit/comments/1xrikuz/question_about_my_credit_report_via_experian/" }, { "title": "Remove paid verizon collection and affirm late payment report", "score": 2, "comments": 7, "created_utc": 1794195624.042, "url": "https://www.reddit.com/r/CRedit/comments/1xrhfhu/remove_paid_verizon_collection_and_affirm_late/" }, { "title": "How do people build credit and still have a massive amount of credit card debt?", "score": 2, "comments": 8, "created_utc": 1794193844.578, "url": "https://www.reddit.com/r/CRedit/comments/1xrgv5j/how_do_people_build_credit_and_still_have_a/" }, { "title": "Questions regarding an old collection", "score": 2, "comments": 8, "created_utc": 1794186365.999, "url": "https://www.reddit.com/r/CRedit/comments/1xredyj/questions_regarding_an_old_collection/" }, { "title": "Credit consolidation", "score": 0, "comments": 3, "created_utc": 1794181892.907, "url": "https://www.reddit.com/r/CRedit/comments/1xrct7b/credit_consolidation/" }, { "title": "TransUnion score dropped 123 points in a single day", "score": 1, "comments": 50, "created_utc": 1794179705.323, "url": "https://www.reddit.com/r/CRedit/comments/1xrc1ni/transunion_score_dropped_123_points_in_a_single/" }, { "title": "Credit Control LLC Showing An Account That's Not Mine?", "score": 1, "comments": 1, "created_utc": 1794178878.255, "url": "https://www.reddit.com/r/CRedit/comments/1xrbqzq/credit_control_llc_showing_an_account_thats_not/" }, { "title": "Is it just a waiting game at this point?", "score": 2, "comments": 1, "created_utc": 1794177633.547, "url": "https://www.reddit.com/r/CRedit/comments/1xrbaga/is_it_just_a_waiting_game_at_this_point/" } ], "words_this_week": [ { "word": "score", "titles": 18 }, { "word": "card", "titles": 17 }, { "word": "debt", "titles": 14 }, { "word": "advice", "titles": 12 }, { "word": "loan", "titles": 11 }, { "word": "account", "titles": 11 }, { "word": "late", "titles": 9 }, { "word": "report", "titles": 9 }, { "word": "old", "titles": 8 }, { "word": "collection", "titles": 8 }, { "word": "collections", "titles": 8 }, { "word": "car", "titles": 7 } ], "preview": "This is a preview. 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