As credos are so unpleasant to the community maybe they could be slightly changed?
Remove credos tree and full-credo-complete requirements and add them as 1 level at time. Let it work more like professional milestones.
So once character achieves some level of development (stats-skills) in some sort of profession - there opens the ability to pursue 1st level of specific credo with some amount of quests (2 for level 1, 4 for level 2,...10 for level 5).
Example (numbers are subjects to change):
once char has 25 in farming - there opens the 1lvl of Farmer's Credo with the cost of 2000 LP and 2 quests to complete. After completing these quests the lvl 1 perk is activated and will be always with char. After that, the character is free to work on lvl 2 farming credo (after reaching 50 in farming) for 4000 LP with 4 quests or on lvl 1 Forager (15 in surv and 15 in exploration) for 2000 LP with 2 quests.
The system needs the rework of plain bonuses as rewards of course, but if implemented, it will provide more flexibility in doing credos and won't force players to finish full credo when they need only a first or second bonus but not ready for fourth or fifth. Also, it can somehow remove the mandatory of credos for pvpers as the stats-skills requirements will make credos imposible to do on a character without related stats. (yes, "it will just force them to have these stats", but well, if your fighter has 300 farming and have replanted a bunch of fields - maybe he's just good farmer?)