1. Answer a dispute question in r/CRedit
Template: "Title: Re: [their question]. Body: You can dispute this yourself for free. Pull your reports at annualcreditreport.com, find the [collection/late payment] on [bureau], and send a written dispute by certified mail asking them to verify [specific detail, e.g. date of first delinquency]. If it is inaccurate or unverifiable, they have to correct or remove it, usually within 30 days. If they come back 'verified', ask for the method of verification. Happy to look at the wording of your letter if you paste it here." Use this on fresh r/CRedit or r/Debt threads where someone describes a specific negative item, and never link your service unless asked.
2. Post a free DIY guide in r/personalfinance
Template: "Title: I've spent [X years] doing credit disputes. Here is the exact process I'd follow for free. Body: 1. Pull all three reports. 2. List every account with the wrong balance, date, or status. 3. Dispute only what is inaccurate, one item per letter, with proof. 4. For accurate collections, ask the collector for debt validation before paying anything. 5. Track dates in a spreadsheet. [Add one real lesson from your own cases, e.g. 'medical collections under $500 should no longer be reported']. Ask me anything about a specific situation and I'll answer in the comments." Use this once you have 10 or more helpful comments in the sub, so the post doesn't read as a drive-by.
3. Help first-time buyers in r/FirstTimeHomeBuyer
Template: "Title: Lender said my score is too low? Here's what to check before you give up. Body: If your loan officer said you need [620/580] and you're at [score], look at three things first: credit card utilization (paying cards below 10% before the statement date can move scores fast), any errors on your report, and late payments you could ask for a goodwill removal on. Ask your loan officer if they offer a rapid rescore once you fix an error. If you want, comment your situation without personal details and I'll tell you what I'd try first." Use this when you see buyers stuck between preapproval and a score cutoff, the most motivated credit repair customers.
4. Offer free report reviews in r/povertyfinance
Template: "Title: Offering [5] free credit report reviews this week, no strings. Body: I run a small credit repair service and I'm trying to get better at explaining this stuff. If your report has collections, charge-offs or errors you don't understand, DM me a redacted list of the negative items (no SSN, no account numbers). I'll send back what I'd dispute, what to leave alone, and a letter template. You don't need to hire anyone to do this." Use this only where the mod rules allow it, and message the mods first to ask; it gets you real conversations and honest feedback on your pitch.
5. Reach loan officers in r/loanoriginators
Template: "Title: Question for LOs: what do you do with clients who miss the score cutoff by 20-40 points? Body: I do credit repair in [state] and I'm trying to understand what actually helps you close. Do you send them to someone, coach them yourself, or lose them? I'm happy to take a few of your near-miss borrowers for free and send you an update so you can judge the work. Not selling anything in this thread, genuinely want to know what's broken." Use this to open referral partnerships with loan officers and mortgage brokers, since one good LO can send you clients every month.
6. Reply to people who ask for a recommendation
Template: "Honest answer: most of this you can do yourself with the steps above. If you'd rather hand it off, I run [business name]. We don't charge until work is done, as required by the Credit Repair Organizations Act, and I can't promise any specific score result because nobody legally can. Happy to do a free 15 minute call to look at your report: [link or 'DM me']." Use this only when someone directly asks who to hire or replies to your comment asking for help.
7. Follow up with people who engaged
Template: "Hi [username], you mentioned [their item, e.g. a Midland collection on Experian] in r/[sub] last week. Did the dispute come back yet? If they marked it verified, the next step is [next action]. If you want me to handle the rest, here's how it works: [one line on process and pricing after work is done]." Use this 10 to 14 days after helping someone, when their dispute results usually arrive. Hulby, an AI cofounder, can find these threads and draft these replies for you every day.
Mistakes to skip
- Promising to raise someone's score by a set number of points, which is illegal under CROA and gets you reported.
- Dropping your link in the first comment on a thread before anyone asked for help.
- Charging or asking for payment before you have performed any services.
- Posting the same text across many subreddits on the same day, which triggers spam filters and bans.
Want this done for your credit repair service, every day?
Hulby finds the people asking for what you built, writes every reply and email, and keeps you on it until they pay. Free to start.
Find my first customersQuestions
Which subreddits are best for a credit repair service?
r/CRedit, r/personalfinance, r/Debt, r/FirstTimeHomeBuyer, r/povertyfinance, and r/loanoriginators for referral partners. Check each sub's self-promotion rules first.
Can I mention my business on Reddit?
Only where the rules allow and usually only when someone asks. Many subs ban it outright, so message the mods before offering anything.
How long until Reddit brings paying clients?
Expect a few weeks of helpful comments before people DM you. Answering 5 to 10 threads a day speeds it up.
What legal lines should I watch in my posts?
Don't guarantee results, don't take upfront fees, and tell people they can dispute errors themselves for free. Those come straight from the Credit Repair Organizations Act.