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
2. Chase Slate
3. Chase Sapphire
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!)
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My fiance and I are trying to buy a house. After the first pull of credit we saw that his credit score was too low. We paid off 5 out of the 6 cards he had open. We did not close them. Some of them, he had missed a payment. I understand why his credit is bad. It has been close to 60 days, and his credit score has not improved! It doesn’t even show that we paid the cards off! What should we do now?
I recently paid off a few debts. It took around 3 months (90 days) for this to actually show up on all 3 of my credit reoorts. After my score jumped almost 100 points!!
Now that you’ve paid off some of your credit cards try disputing with the tree major credit bureaus, they should all come back paid in full and should raise your score..
I am in the process of cleaning up my credit and I don’t have any revolving credit. What credit card company should I start with? Last month my fico was 649, but I have paid off a few more debts since then. I did read your advice on how to build my credit score in little or no time, but again, which company do you suggest I begin with?
I paid off my car and a personal loan, over 75% of credit card debt…. MY SCORE CRASHED!! 100 points
My fiance and I are trying to buy a home.. Well we located a morgage company and we told them we where intrested in buying a home, well she ran my fiances credit and she said that it showed that he had some items out that where past due, we had no clue what she was talking about.. Well we called the company where these items where and we where told that his x wife took items out under his name.. We made a report, but what can we do credit wise cause it has dropped his score quite a bit..
My husband and I just found that we have No credit score and have found the home of our dreams. While we see the benefit in starting out with a clean credit slate, this home will not be available for very long. What can we do to build our score and FAST? very fast!!! please help
i have zero credit…what can i do?
I don’t have a credit score at all. Where do I begin?
We have found the home of our dreams but my husband has a 531 credit score and a good income. We have a small credit history and small down payment. No one seems to be willing to go out on a limb and loan us the money. I can see the dream home from my back door and it seems I am watching in get further and further away. Help, what can we do.
My husband and I went to get a loan for a house. I knew we had no credit but hoped sense I had enough cash for half they would loan the rest. Bank got back and said we each had a negative 99 credit score so denied us the loan. We have tried to get credit cards but always denied because of the lack of it not because of money owed.Now we have a neg because we pay everything with cash. Help what can we do.
get a “secured” credit card and keep a balance of approx 15% of your limit on the card at all times for a couple of months and that will help build up your score.
actually get two if you can—I am working to improve my credit score this way. but beware there are fees and some that advertise as secured are actually prepaid and there are certain ways to build credit that way.
my credit score is 603 i have one credit card and some medical bills i want to pay them off but the account were closed i want to improve my credit to buy a house next year i dont know what to i want to call some agencies that help you pay your debts but i was not qualify for the program what to hel my credit .
My wife and I have made great improvments in our credit scores we have pay off everthing and have not been late with anything in 14mos yet we were still denied a home loan are there any banks out there that will work with us plesaes help 1st time home buyers who just want a small peace of the amriecan dream.
I just got a $25,400 auto loan but had to put $5000 into a savings account that i cant touch and the bank cant touch until i bring my credit score up and qualify for the loan on my own but the money i put into that account was my year worth of payments, so now i have to come up with the payments out of my paycheck but i also have a family to take care of. they told me i need to open up two more lines of credit buy some stuff make the payments on time then keep checking to see if i qualify yet. i keep getting denied credit cards so now what am i supposed to do???????HELP
Open a secured credit card I was denied one at my own bank but was approved for a capital one secured mastercard the terms and fees suck but its the price you pay for a credit rating.
hi my name is lisa and iam a high school graduate who is trying to attend college but is unable to get a loan due to my bad credit. my credit score is 515 which is horrible and iam only 19 years old. so now iam unable to get a loan to help pay for school. and the messed up part about it is that i only owe 600 bucks!!!…soo i need to know after i pay that 600 dollars how long will it take for my credit score to rise and what can i do to make it go higher???
Do you know if all credit card companies report to the bureaus at the same time? I talked to my credit card company today and they said that my particular card gets reported at the end of the month….
not they dont all report at the same time. they usually report at the end of every statement cycle. you can always try to call, mail, or email the credit card company and ask that they update your info. Chase is really good about it if you get the right person, I had a 21 point score increase in 4 days because they update the balances to the bureaus. you can always file an “online dispute” through the credit agencies and dispute the account balances. this will push through updating the info sometimes faster than the credit card company.
I am going through credit repair now and it doesnt really matter when the card company itself reports the burrows all report any activity on the 25th of every month.
no not all companies report to all three bureaus
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