Raise your credit score fast and free

Raising or increasing your credit score (FICO) fast is possible.

In fact, it’s really quite simple If you follow these steps.

I should know. I was able to get over 160K in credit at age 22 because of my knowledge of credit scores and FICO.

If you follow each of these methods, you can increase your score 50, even 100 or more points in as little as 30 days.

1. Increase Your Credit Card Limits

Your “available” credit is the single largest factor that can increase or decrease your credit score. Call up your current credit cards and ask for a credit limit increase.

*NOTE: When you are talking to the credit card company rep make sure you ask if they can do an increase without doing a “hard pull” on your credit report. A “hard pull” shows up on your report as an inquiry for credit, and can result in a quick 10+ point drop in your score.

2. Obtain New Credit Quickly

When you apply for new credit an inquiry is placed on your report. What you probably don’t know is that multiple inquiries within a days of each other will only count as ONE inquiry.

What does that mean?

That means you can apply for say 6 credit cards at the same time, and it will only count as ONE inquiry against you (score wise).

Why would you want to apply for 6 cards at once? Go back at read my first tip.

Now, do you get it? If you can get 5 new credit cards at even $1000 limit lines, you’ll have increased your available credit by $5,000!

It’s all about your available credit.

To increase your available credit, you need cards with high credit limits that will approve you quickly. Here are 5 cards that all have bonuses attached to them that will approve you instantly.

Remember, finish all the applications at once! Set aside a few minutes and do a massive application spree. With all that new available credit, your score will skyrocket.

Best Credit Cards For Max Score Boost

Note: For business cards, do not put in a EIN number. You can totally get business cards as an individual (you are a sole proprietorship!), and these ones are great for boosting your score quickly.

Apply Here First!

1. Chase Freedom(SM) Credit Card

3. Remove Negative Remarks On Your Credit Report

Once you’ve gotten as much available credit as possible, now its time to clean up any negative remarks on your report. If your score is below 640, you’ll want to start with this technique first.

First off, make sure you get your current credit score. Check my page for a current promotional code from MyFico. They have a free trial and they are the only company I trust to get real, legit FICO scores. Also if you need any other legal documents use a Legal Zoom Promo Code and save on your legal documents.

Now, removing negative remarks from your credit report can skyrocket your score.

I wouldn’t trust repairing my credit to any other company than Lexington Law. You’ll have to pay a little to start with them, but they will handle removing bad credit remarks legally and efficiently.

4. Protect Your Credit Score And Identity

Now that you’ve improved your credit score, it’s time to protect it. Especially if you have a 700+ credit score. You’ve worked hard to get or maintain that score.

The last thing you’d want is for your identity to be stolen and your credit trashed.

Sign up for lifelock. I’m sure you’ve seen their commercials with their CEO displaying his Social Security Number. Make sure and use a lifelock promotion code.

5. Monitor Your Score

Now that you’ve improved your credit score fast, removed any bad remarks, and protected your identity…what’s left?

Monitoring your new great score!

Monitoring services are cheap and another level of insurance to protect your (now) great score.

I’d recommend: MyFico’s monitoring service (free trial too!)