That would be a different board - perhaps you should start one. This one is for people who are already in trouble. They can get lectured and preached to in numerous other places.
After one trip to credit hell, most people learn their lesson.
In my opinion, a credit advice message board should be a lot more about preventive education, rather than educating people on how to get a CL increase, lie on a mortgage application, or how to evade a valid debt. Those "solutions" only serve as a band-aid for the underlying problem --- a lack of responsible financial planning.