How to Quickly Fix Bad Credit Score (Mine Was 520)

Updated on December 28, 2017

The first time I checked my credit score, I had a 520. In case you're not familiar with credit scores, 520 is pretty bad–bad enough that you can't even purchase a cell phone, let alone a car or home. That score haunted me for a while, until I decided to do something about it.

Within about 18 months I was able to fix my credit score. In this article, I'll teach you how to do the same.

Before you can fix your bad credit, though, you need to asses what you're up against. The first thing you need to do is get a credit report. This will allow you to see if there are any mistakes, and will show you exactly what is bringing your score down.

1. Pay off Your Credit Card Debt

I was using an extremely high percentage of my available credit card debt. The limits on my cards were low: $750 on one, and $500 on the other. Out of the $1,250 that I had available, I was using about $1,200. This is a huge no-no if you want a good credit score. I was using over 95 percent of my available credit.

On top of this, I was way behind on payments for both cards, and had to stop making so many late payments.

I saved up and paid off all of my debt. With that done, my credit score received a boost of almost 100 points.

2. Increase Your Limits

If you can increase the limits of your cards, do it. This will really help your score, as long as you continue to utilize debt.

For example, over the last few years I have increased the limits of my cards to over $20,000. If I run a balance of $1,200 now, it hardly affects my score. That's because $1,200 is only six percent of my available credit, instead of 95 percent.

In other words, you can change your credit score very quickly by raising your limits.

Owning and utilizing multiple credit cards responsibly can boost your credit score.
Owning and utilizing multiple credit cards responsibly can boost your credit score. | Source

3. If You Don't Have Credit Cards, Get Some

To boost your credit score, you really need to have revolving credit. People often think since they have a car or home loan, they are building credit, but this won't do nearly as much good as having some frequently used credit cards.

Before I had credit, it was very difficult to get a credit card. I was unable to get approved, and had to take out two secured credit cards to get the ball rolling. Soon, I was able to get real credit cards. Once a credit card provider sees someone else took a risk on you, they are more likely to take a risk themselves. You must make sure, though, to make payments on time if you want to maintain good credit score. Commit to never missing another payment.

4. Avoid High Interest Loans

In order to stay ahead of debt, I have prepared some simple advice:

  1. Commercial mortgage loans are better than no credit check personal loans. Why? Because the interest rates are lower.
  2. Home loans are better than auto loans. Why? Again, because the interest rates are lower.

Do simple comparisons to identify and get rid of the highest interest debt you have. This will make it easier to get rid of the rest later.

How to Check Your Credit Score for Free Online (Video)

This article is accurate and true to the best of the author’s knowledge. Content is for informational or entertainment purposes only and does not substitute for personal counsel or professional advice in business, financial, legal, or technical matters.


    0 of 8192 characters used
    Post Comment
    • profile image


      9 months ago

      My name is Anthony from NJ, I became a big fan of captainspyhacker2@gmailcom after he helped me repair my credit with his skills and knowledge. I had 12 account and negative on each credit bureaus an error when I was young a lot of us do have it because we wasn’t taught about credit my score was 488 after offering me his service, with Experian I got 8 account deleted and my score jump to 771. With TransUnion it was 472 with 12 account and after offering me his service 781 with 8 account deleted. With Equifax I had 12 account with 8 account Deleted, my score was 466 and now I’m 810. All this happened after we both agree on a deal. I’m extremely happy with the results I further asked him if credit bureaus won't reinstate my scores and all accounts that was deleted, he boldly answered (YES) up to a year now it's still working. Thank you your program really Work

    • profile image


      11 months ago

      I suggest you all contact my helper via email (Hackmania_9 (at) Outlook .(com)we decided to shop around for a second mortgage. We operate an HELOC account for us to have control over interest costs and of course of to have easy access to our home equity loan. I was denied when i applied, i never knew that we have up to 8 collections on some of m accounts. i got to know when a lender checked the history of my credit report.This negatives was from 3 to 4 years when we got our 3rd credit card and also my score was around 600.So all we need as at this period was to get a clean sheet of report and a score of above 650,Said the Lender.We got worried and decided to stop the process.Barely two weeks i read a review and i saw a comment on how this dude raised a score and credit limit increase.I needed help so i took the chance to tease the dude in order for me to be sure he can assist me. To cut the long story short ,that was how i got my report clear from debts and i had my score raised up to 800.i appreciate your work sir.Thank you.

    • profile image

      Amy Littleton 

      12 months ago

      After finding the home of our dreams, we quickly realized we needed to bring our credit scores up to qualify for an FHA loan. Our mortgage professional friend referred us to (EAGLESEYE [.] HACK [@] GMAIL [.] COM)

      Their professionalism and quick attention to our needs made our dream of owning a home a reality. They were able to bring our credit scores up significantly in a matter of weeks while other companies wanted to over charge and couldn’t commit to a tight timeframe.

      The personal touch and communications provided by them exuded customer service and went above our expectations. Thank you so much for making the process easy!

    • profile image


      13 months ago

      After graduating from college, I had bad credit Score. Having collections, charge-offs, and late pays prevented me from getting qualified for mortgages, auto loans, and even jobs! However, I got it fixed with the help of my childhood friend (computer.surgeon @ outlook. com) who increased my credit score from 450 to 807. I'm now a full-time real estate investor with 63 units. I leverage my credit to obtain passive income via real estate. You can too! If you need your credit repair, we can help you. All you have to do is contact Computer.sugeon @ outlook. com

    • profile image


      17 months ago

      I lost my house about 5 years ago, my credit was so poor that, i had a tone of medical bills in collection, I can't afford to rent a comfortable home to live, because even land lords run credit checks it was the most horrible and screwed moment of my life . i knew i had to do something to get back on track and I read about this credit coach on google captain spy (captainspyhacker2 AT gmail DOT com) who had helped so many people, I finally give him a try. I wrote a letter for each thing on my credit report basically, and he gave me the assurance that he will fix these It looked weird to me at first but a month later my credit which was low increase which I also confirm it on credit reporting agency file. This is totally incredible i can now buy a home. Signing the papers in a week. Thanks Captain I really appreciate man!

    • profile image

      Larry S. Miller 

      19 months ago

      After 3 serious back surgeries, hiring someone to operate my funeral homes for 6 months after each surgery and a battle fought divorce, my credit went from good to very bad.

    • profile image


      3 years ago

      Pay off your debt? This girl needs to learn more about credit.

      There are many ways to boost, read read read. Pay off your debt, this is nice but if you pay it off your score may not move, you need a bit of debt to have a good score.

    • profile image


      3 years ago

      My credit score is terrible due to mefical bills that I have received even with insurance. Its a nightmare totaling ip into 40,000 bucks. What do I do now

    • jbennett3112 profile image

      Josh Bennett 

      4 years ago from Illinois

      A rule of thumb with credit cards is never use more than 1/3 (33%) of your total revolving (credit card) balance. If you are using over 1/3, it will hurt your credit score. Also, inquiries are only 10% of your credit score. 0 in the last two years is perfect, but it really doesn't start hurting you too bad until you are at 5 or more. Another thing to remember, if you have a credit card that you just don't use any more, DO NOT CLOSE IT. That will lower the average age of your accounts and, in turn, hurt your credit score.

    • Honest-Writer profile image


      5 years ago

      Thank you for your advice. I will especially take into account the credit cards full usage, as I tend to do that as well and then just pay the high interest.

    • monicamelendez profile imageAUTHOR


      6 years ago from Salt Lake City

      Do what you can to get them paid off siller. It's going to be really hard to buy a home at some point if they ruin your credit

    • monicamelendez profile imageAUTHOR


      6 years ago from Salt Lake City

      The inquiries won't hurt you hardly at all. An inquiry or two each year is expected. If the other accounts are closed they probably won't hurt you unless they were closed for default. You should probably look into what they are.

    • monicamelendez profile imageAUTHOR


      6 years ago from Salt Lake City

      Yeah Jarrod it's possible in some situations. It isn't exactly the score that they look at. Most people with a score in that range won't be able to qualify.

    • profile image

      James S. 

      6 years ago

      I have 9 items posted on my credit. 3-4 are inquiries on my credit to get a car and the last one was done back in 2009. One is a loan that I took out by I'm paying that off soon do that leaves atleast 3 other things that I don't know what they are but they DON'T have a balance and they are CLOSED....what does this mean??

    • profile image

      siller thermoise 

      7 years ago

      i'am working on fixing my credit score because its so low too many student loans on default.What is the sense on earning a degree if you getting harassed to pay back the loan

    • profile image


      7 years ago

      520 credit score is bad but not horrible. I got a cell phone for me and my wife nothing down verizon. Also i got approved therw my bank for a home loan. a lot dpends on what your credit score is down for. late payments and repos then yes your not going to get anything. but if its because of other things then it wont.



    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

    Show Details
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)