Frustrated with sparking lighthearted engagement in your credit repair community? These This or That templates make it simple to get your members talking with fun, relatable prompts. Say goodbye to awkward silences and hello to easy, playful participation.
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This or That prompts tap into simple decision-making, making it easy for anyone to join the conversation without feeling pressure. The playful format removes the fear of saying the 'wrong' thing, encouraging even quieter members to engage. By connecting credit repair topics to everyday preferences, you keep discussions relevant but relaxed, helping members feel at ease while still thinking about positive financial habits.
This format also creates a sense of belonging, as members see others making similar or different choices and sharing their reasons. Quick, low-stakes questions lower the barrier to entry, making engagement spontaneous and regular. Over time, these light prompts build trust, community spirit, and momentum for deeper credit repair conversations.
For community managers, This or That posts are easy to schedule and require minimal moderation, letting you maintain active feeds with minimal effort. They also generate valuable insights into your members' habits and mindsets, helping you tailor future content.
Would you rather pay off a small debt or save for a rainy day?
💡 Example: "Would you rather pay off a small debt or save for a rainy day? Tell us why!"
Credit report check - do it monthly or yearly?
💡 Example: "Credit report check - do it monthly or yearly?"
Automatic payments or manual reminders - which works for you?
💡 Example: "Automatic payments or manual reminders - which works for you? Share below!"
Would you rather get a new credit card or improve an old one?
💡 Example: "Would you rather get a new credit card or improve an old one?"
Cash back or travel rewards - which do you prefer?
💡 Example: "Cash back or travel rewards - which do you prefer? Let us know!"
Would you rather watch a budgeting video or read a credit blog?
💡 Example: "Would you rather watch a budgeting video or read a credit blog?"
DIY credit repair or hire a pro?
💡 Example: "DIY credit repair or hire a pro?"
Track spending with an app or pen and paper?
💡 Example: "Track spending with an app or pen and paper? Which do you use?"
Set a strict budget or leave room for surprises?
💡 Example: "Set a strict budget or leave room for surprises? Share your style!"
Would you rather dispute an error online or by mail?
💡 Example: "Would you rather dispute an error online or by mail?"
Build credit with a secured card or authorized user status?
💡 Example: "Build credit with a secured card or authorized user status? What is your pick?"
Would you rather have a higher credit limit or a lower interest rate?
💡 Example: "Would you rather have a higher credit limit or a lower interest rate? Why?"
Tackle old debts first or newest debts first?
💡 Example: "Tackle old debts first or newest debts first? Tell us your method!"
Paper statements or digital statements?
💡 Example: "Paper statements or digital statements?"
Would you prefer a credit score boost or cash in hand?
💡 Example: "Would you prefer a credit score boost or cash in hand? Pick one!"
Monitor your credit with alerts or regular checks?
💡 Example: "Monitor your credit with alerts or regular checks? How do you do it?"
Would you rather have a higher salary or less debt?
💡 Example: "Would you rather have a higher salary or less debt? Why?"
Use credit cards for everyday spending or only emergencies?
💡 Example: "Use credit cards for everyday spending or only emergencies?"
Would you rather get financial advice from a podcast or a friend?
💡 Example: "Would you rather get financial advice from a podcast or a friend?"
Dispute errors yourself or use a dispute service?
💡 Example: "Dispute errors yourself or use a dispute service?"
Would you rather improve payment history or reduce credit utilization?
💡 Example: "Would you rather improve payment history or reduce credit utilization? Why?"
Schedule bill payments weekly or monthly?
💡 Example: "Schedule bill payments weekly or monthly?"
Short-term sacrifice or long-term payoff?
💡 Example: "Short-term sacrifice or long-term payoff? Which motivates you more?"
Would you rather get a new loan or refinance an existing one?
💡 Example: "Would you rather get a new loan or refinance an existing one?"
Use a spreadsheet or a budgeting app?
💡 Example: "Use a spreadsheet or a budgeting app? Which do you prefer?"
Would you rather pay off credit cards or student loans first?
💡 Example: "Would you rather pay off credit cards or student loans first? Share your thoughts!"
Ask for a credit limit increase or pay down your balance?
💡 Example: "Ask for a credit limit increase or pay down your balance?"
Would you rather have perfect payment history or no debt at all?
💡 Example: "Would you rather have perfect payment history or no debt at all? Why?"
Handle finances solo or team up with a partner?
💡 Example: "Handle finances solo or team up with a partner?"
Would you rather get free credit counseling or a free budgeting course?
💡 Example: "Would you rather get free credit counseling or a free budgeting course? Pick one!"
Read your credit report in detail or just check the score?
💡 Example: "Read your credit report in detail or just check the score?"
Would you rather pay bills early or right on the due date?
💡 Example: "Would you rather pay bills early or right on the due date? Why?"
Credit tips from experts or real-life stories?
💡 Example: "Credit tips from experts or real-life stories? Which do you like more?"
Would you rather have one credit card or multiple cards?
💡 Example: "Would you rather have one credit card or multiple cards?"
Use a rewards card or a low-interest card?
💡 Example: "Use a rewards card or a low-interest card?"
Would you rather improve your credit score by 50 points or get a $500 bonus?
💡 Example: "Would you rather improve your credit score by 50 points or get a $500 bonus? Why?"
Focus on credit utilization or length of credit history?
💡 Example: "Focus on credit utilization or length of credit history?"
Would you rather attend a credit webinar or listen to a financial podcast?
💡 Example: "Would you rather attend a credit webinar or listen to a financial podcast? Pick one!"
Read community posts or ask questions yourself?
💡 Example: "Read community posts or ask questions yourself? Let us know!"
Would you rather get a free credit score check or a free budgeting tool?
💡 Example: "Would you rather get a free credit score check or a free budgeting tool? Choose one!"
Update your budget once a month or every week?
💡 Example: "Update your budget once a month or every week?"
To use these templates, simply copy and paste your chosen prompt into your community platform. Post at times when your audience is most active to maximize replies. Encourage members to briefly explain their choices for added conversation. Rotate topics to keep things fresh and relevant. If engagement is low, tag a few active members to get the ball rolling, and celebrate participation to reinforce positive community culture.
For all platforms, pair your This or That post with a bright image or simple graphic to catch attention. Use short, clear sentences and emojis if appropriate for your audience. On forums or Facebook, consider using polls; on Instagram Stories, use the poll sticker. Always encourage replies in the comments for platforms that allow it.
When crafting 'This or That' posts around secured versus unsecured credit cards, focus on relatable decision points, such as initial deposit requirements, impacts on credit scores, and suitability for rebuilding credit. Encourage members to share personal experiences with each card type, and provide context on how these choices can influence credit repair journeys. This approach helps members learn from real scenarios while highlighting industry-specific nuances.
To engage your community on this topic, construct posts that outline the process, pros, and cons of each approach: direct DIY disputes vs. hiring a credit repair service. Use terminology like '609 letter,' 'FCRA rights,' and 'dispute timelines' to prompt members to share their experiences and preferences. This not only drives engagement but also educates your audience on the real-world challenges of credit repair.
Credit repair members often have strong opinions about paying collections in full versus settling for less. When these debates arise, moderate by sharing factual information on how each action can affect credit reports and scores, such as potential updates to 'paid in full' or 'settled' statuses. Encourage respectful sharing of results and strategies, and remind members that outcomes can vary based on the creditor and reporting practices.
Yes, comparing authorized user status and secured cards is highly relevant. Structure your posts to highlight differences in risk, credit utilization, reported history, and eligibility. Encourage members to discuss which method helped them more effectively repair their credit, and clarify common misconceptions about how each option appears on credit reports.
Hard and soft inquiries are frequently misunderstood in credit repair circles. Use 'This or That' posts to contrast scenarios like 'applying for a new credit card (hard inquiry) vs. checking your own credit score (soft inquiry).' Invite members to discuss how inquiries have impacted their scores or disputes, and offer guidance on minimizing unnecessary hard pulls during the repair process.
Frame your posts to showcase the unique dispute methods, difficulty levels, and potential score improvements associated with removing late payments compared to charge-offs. Use real-world timelines and reference tools like goodwill letters or pay-for-delete strategies. By doing so, you help members weigh the most effective tactics for their specific credit repair situations while learning from each other's successes and setbacks.
Skool · Circle · Mighty Networks