Need a quick credit score jump? Whether you’re applying for a loan, buying a car, or securing a mortgage, these strategies can help—fast!
- Just Ask
Call your creditors and politely request they remove negative marks. If you’ve had financial hardships, explain your situation. Sometimes, they’ll help, especially if you negotiate (e.g., offering immediate payment in exchange for removal).
- Increase Your Credit Limits
A higher limit lowers your credit utilization ratio. Call your card issuer and ask for an increase, especially if you have a good payment history. Pro tip: Mention a big purchase to improve approval odds.
- Aim Higher Than You Need
When requesting a credit limit increase, ask for more than you want. If approved, your utilization drops instantly—boosting your score.
- Use Experian Boost
Link your bank account to Experian’s free Credit Boost program. It adds on-time utility/phone payments to your report, potentially adding 10+ points instantly.
- Dispute Errors on Your Report
Check all three credit reports (Experian, Equifax, TransUnion) for mistakes. Dispute inaccuracies—by mail for better results.
- Dispute EVERYTHING (The Secret Sauce!)
The Fair Credit Reporting Act requires 100% accuracy in credit reporting. Compare all three reports—differences in balances, dates, or statuses give you grounds for disputes. If data conflicts, demand removal.
Pro Tip: If one account shows different balances across bureaus, use that as proof of inaccuracy. Many negative items can be removed this way!
- Become an Authorized User
Ask a trusted friend or spouse to add you to their card (you don’t need the physical card). Their good history and low utilization will help your score.
- Open a New Account
A new card increases your available credit. Apply for two on the same day—multiple inquiries count as one, and approvals mean double the limit.
- Get a Joint Account
If denied for a card, ask a co-signer with good credit to open a joint account. Just avoid too many applications.
- Hire a Credit Repair Company
If you are struggling to fix your credit. Let the pros handle it! A top-rated credit repair company can dispute errors, negotiate with creditors, and fast-track your score boost, so you don’t have to stress. Get back on track faster!” Here is a comparison of the two most well known companies.
- Always Pay On Time
Late payments hurt. If you’ve slipped up, call the creditor, they may remove the mark if you ask nicely.
- Pay Down Balances
Focus on high-utilization cards first. Even small reductions can help.
- Don’t Close Old Accounts
Long credit history helps your score. Keep old cards open (even if unused).
- Reopen Closed Accounts
If an account was recently closed (but not sent to collections), call and offer full payment in exchange for reinstatement.
Need Help? Consider a reputable credit repair company if DIY isn’t your style.
Want more? Check out:
- Secrets to an 800+ score
- Legal tricks to fix credit fast
Try these tips—your score could jump in 30-45 days! 🚀
