Earlier this year, we shared a blog about popular social media posts related to credit reporting and repair. With FCRA-related complaints and disputes reaching new highs, we decided to revisit this topic to see what new ‘tips and tricks’ have garnered the most attention.
We will examine TikTok, YouTube, and Instagram to see the trends most talked about over the past months. Stay tuned for more blogs as we continue to monitor social media discussions.
Keep in mind that as new trends emerge on social media, the most effective way to protect yourself against the growing number of FCRA disputes and litigation is to be able to evidence end-to-end FCRA processes and controls that assure maximum possible accuracy in furnishing and dispute resolutions.
Additionally, it’s important to educate your customers about the effects of credit repair, the potential pitfalls to be aware of, and better options (e.g., non-profit credit counseling backed by organizations like the NFCC.
TikTok
While talks of a ban continue to be in flux, TikTok remains one of the most popular social media platforms, with over 2.18 billion monthly visits.
Searching for ‘credit repair’ yielded similar results to our previous search, featuring various creators promoting their credit repair services and offering tips on how to remove items from consumer credit reports.
The most popular video we found was posted on April 28, 2025 by a person affiliated with a larger credit repair company. The video shows all the different negative items that the person claims to have removed from their credit report, thereby increasing the consumer’s credit score.
This video has 861k views at the time of writing.
Click the images to be taken to the TikTok video
The second video we came across was posted on April 16, 2025 and had 180k views. This one depicts another credit repair specialist sharing how they helped someone raise their credit score by 325 points in 90 days. Once again, prompting users to sign up for their services to achieve similar results.
The third video we found had fewer views than the others (only 3.5k), but it was one of the first to appear when searching for credit repair. This one shows a person discussing how it is better to dispute at the CFPB instead of the credit bureaus, claiming that it can help improve credit scores faster. They also provide detailed step-by-step instructions to show them exactly how to do it.
YouTube
The next social media site that we searched was YouTube. This platform boasts 2.7 billion monthly users and is also a popular website that appears in Google search results. Searching for credit repair here returned a wider variety of results, ranging from updates on the current administration and how it might affect credit scores to informative videos that were advertisements for AI credit repair services.
The first video we came across was a video podcast shared a couple of months ago, on March 20, with over 640,000 views. This one was interesting because the speakers covered a variety of topics regarding credit and had a sponsor for AI credit repair software.
The second video we came across was more specific to credit repair, delving in-depth into claims and actions that can help improve credit scores. This one was posted more recently on May 20, 2025, with 12,000 views, but the channel has over 400,000 subscribers.
This person was also advertising an AI credit repair tool, albeit different, claiming that it is best to ‘fight AI with AI.’
The third and final video we came across was from February 20, 2025 and had 530k views. This one was one of the top results returned when searching for credit repair, but it delves in-depth into news surrounding the new administration and how it might affect credit scoring.
The last platform we reviewed was Instagram, which has 2 billion monthly active users. Additionally, many videos are also shared on Facebook, contributing another billion users. Although content related to credit repair and debt settlement is less common on Instagram, we still found posts from organizations that assist individuals in removing inaccurate or erroneous information from their credit reports.
The screenshot below shows the various posts returned when searching for “credit repair,” with most being advertisements for services similar to those seen on TikTok.
Conclusion
The rise in social media posts about credit repair organizations, along with the emergence of AI Self-Service Dispute Solutions and the escalation of FCRA-related disputes and litigation, underscores the need to be able to evidence end-to-end FCRA processes and controls that ensure maximum possible accuracy in furnishing and disputes resolution.
The Data Quality Scanner is the only end-to-end accuracy solution for credit reporting and disputes. It’s an automated, low-cost, no-integration solution used by leading financial institutions, including six of the top 20 banks, seven of the top 10 credit unions, and many other lenders of all sizes, to reduce credit reporting errors by over 90% and disputes by more than 30%.
By providing an end-to-end view of the Metro 2® data journey, furnishers can proactively address problems and counter frivolous FCRA disputes and litigation, ultimately lowering operating expenses and regulatory risks.
Schedule a demo with us today to learn how DQS can enhance your compliance efforts.
