Best 7 Simple Simple Ways to Super Boost Your Credit Score Fast

Updated on January 30, 2018
How to Raise Your Credit Score in 7 Easy Steps
How to Raise Your Credit Score in 7 Easy Steps

Ask For More Credit and Raise Your Credit Score

One of the factors of a credit score is your credit utilization. Put simply, credit utilization is the percentage of available credit that you're currently using (what you owe). For example, if you have one credit card with a $100 limit and you have spent $99 on said card, then your credit utilization would be at 99%. Typically, creditors like to see that you're under 30%, which would give you a great rating for the credit utilization category of your credit score.

Just a few months ago, my credit utilization was around 86%. My payment history for each of my credit cards was good. So I devised a way to lower that utilization fast. I asked a few of the companies that issued my cards for a no credit check credit limit raise. Some of the companies went for it just based on my current balance and that I had a solid payment history. After my credit limit was raised on multiple cards my Credit Utilization went down to 53% and my score went up between 17-22 points on each credit bureau. The effects of the change only took about 45 days from when I called.

Take note that I asked for a no credit check credit limit raise. If a company informs you they will have to run your credit, don't do it. You would be taking a risk of lowering your score by having another credit inquiry on your report. Always try to avoid anything that will harm your report until you are sure your credit is where you need it for whatever you need it to do.

Piggyback by Getting Authorized on Someones Good Credit

So let's say you have a friend or a family member who has stellar credit. Their good credit can actually help you uplift your credit score as well. All you have to do is convince them to add you as an authorized user on one or more of their accounts. You do need to ensure the account meets certain criteria. First, the account needs to be in good standing and with no late payments. The account should be as old as possible. I would say no younger than 7 years and definitely not more than a couple years younger than your oldest open account. Other important factors to consider are the credit limit and credit utilization on the account. Make sure the utilization of the piggyback account is below 30%, and the limit is as high as possible. The higher the credit limit the more it will help your credit utilization ratio. You are essentially going to raise your max credit limit across all cards and thus lower your credit utilization. This is one of the easiest ways to boost your credit, but please remember to choose your credit savior wisely. If they decide to max out the credit line or miss payments, its gonna hurt you too.

If done right, getting authorized on someone's credit will, increase the overall age or your accounts, improve your on-time payment ratio, and lower your credit utilization ratio. Those can all improve your score dramatically. Don't pay to be added to someone's account though.. FICO can sniff that out. Stick with someone you trust and who would make sense letting you use their credit. Parents and Grandparents are in my book the norm. Be smart, because this method is a gamble.

If done right, getting authorized on someone's credit will, increase the overall age or your accounts, improve your on-time payment ratio, and lower your credit utilization ratio.

Pay to Improve Your Score

Can you pay to get an improved credit score? Well, sort of. Another credit score factor is derogatory marks. Having a derogatory mark usually means you failed to pay and now the account is in collections. Creditors have probably been attempting to contact you. Those derogatory marks usually stick on your report for 7 years, Derogatory marks can really drag down your score. Paying them, on the other hand, can improve your score in just about 45 days.

When dealing with a collector, be as polite and helpful as possible, but ask for help in return. Explain that you want nothing more than to pay the debt, but do not have that kind of money...yeah they hear that on every call. Ask them is if they would accept a lower settlement, but make it clear that you want the derogatory mark removed and proof the debt is settled in full. Take care of the derogatory marks on your record and your score will improve, everything else staying the same, without a doubt.

Another way you can pay to improve your credit score is by using a credit repair service. These services will work with creditors to get rid of incorrect, outdated, and unverifiable items on your credit reports such as bankruptcies, liens, missed payments, charge-offs, collections, and more. I can't recommend a particular service because I did not go that route. It can be costly and I found it better for my family to dispute or pay off items on our own. If you have the money to spend on a credit repair service, however, they promise big results in as little as 30 days.

Start or Continue to Make Your Payments on Time

This should be a no-brainer, but missing payments is one of the biggest causes of low credit scores. If you have had trouble in the past missing payment then I suggest thinking about the root cause of your missed payments. If you do not have enough money to pay the bills, then why? Do you not make enough money? Are you living beyond your means? If you have the money to pay, but forget to make the payments on time, then why? Do you have a list of bills to pay and when they are due? Are you taking time each day to think about your finances? Are you entrusting someone else with the bill paying responsibility? Figure out what is causing you to miss the payments and then take action and build habits to prevent missing payments again.

Make More Money

One reason that some people find themselves with bad or lower than desired credit is because they have too many regularly recurring bills and not enough regularly recurring income. If you don't have the money to pay your expenses then of course you're going to get behind on them. Solution, earn more money.

If you make more money then you can pay your bills on time, resulting in no missed payments on your credit report. You may be able to pay down your credit balances which will decrease your debt to income ratio. Thus, your score is going to increase. Avoid adding any new bills, doing so will be counterproductive in paying off the debt to increase your credit score.

Here are a few ways to make a little extra money. You may know of some of these methods, but you've gotta get the motivation to implement them and get your score on track with your goals.

- Sell your old stuff on Letgo, eBay or Amazon.

- Make your own products to sell on Etsy.

- Get a part-time job to make extra money.

- Do odd jobs like lawn care.

- Save more by using coupons and apps like ibotta.

Lower Your Expenses

Let's be honest here, are you living beyond your means? Do you have an expensive car you don't need? Do you have more bedrooms in your house than people living inside of it? How often do you eat out? Do you get the newest phone each year? Ok, enough questioning, but I think you see my point. Even if you think you do all that you can to conserve the money you work so hard to make, there are probably ways you could cut back.

You could make more money to pay your debts down and effectively increase your credit score, but if you also eliminate unneeded expenses then you will in turn pay that debt much faster. So, take a look at every single weekly, monthly, and yearly expense. Figure out what you actually need and what you can do without. If there is a way to pay less for something, like car insurance, then spend the time to shop around to get a lower price. If you don't use the gym then get rid of that bill. Start journaling each and every time you spend money on anything. For example, when you purchase groceries right down each and every item you bought. Every time you buy a snack out of the vending machine, write it down. When you buy that gift for your friends baby shower, write it down. You need to have a working knowledge of where your money is being used. You must work to lower how much money is wasted next.

Look at fluctuation expenses such a fuel for your car, electricity, natural gas, and water. Try to cut back on those expenses by eliminating waste. Unplug unused appliances. Turn your lights off when not in a room. When it's hot, wear less clothes around the house and keep the air off or at a higher than usual temp. When it's cold, wear more clothes and keep the heat down low or even off if you can. Take shorter showers that use less hot water. Plan as many things as you can in one day to prevent you from using gas on multiple trips. These things may not seem like much, but an extra $50 saved on electricity can really help you pay off those score destroying debts.

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Track Your Score Regularly

Just like with your expenses, you must know where your score stands to be able to make meaningful changes. If you're consistently watching your credit score and reports, then you will be able to use that information to make better decisions concerning your money and credit.

There are quite a few services out there that offer free credit scores and reports. Credit Karma is one that I've used for a long time and I recommend, but many banks and credit card companies now offer free credit reporting as well. Keep in mind that there are 3 different credit bureaus and different scoring models, thus you will likely get different scores from different sources. If you plan on making a major credit purchase like a house or a car, I recommend getting your FICO score. Also, take note that you can request free credit reports from each bureau once a year.

Look at your report at least once a week. You never know when something might pop up, whether it be a derogatory mark for a bill you thought was paid or even someone opening up credit under your name. If you stay on top up it you can save yourself a ton of trouble and reach your goals much sooner. Don't leave your credit up to chance.

Your Credit Score is in Your Hands

Just remember that it is up to you to ensure your credit is good. I hope these tips have helped to motivate you to start working on your score. Before I started focusing on my credit, there was no way I could have gotten approved to purchase a house. Now my family and I have a beautiful house in a wonderful neighborhood. Please ask any questions you have below and I will get back to you as soon as I can. I would also love to hear about your experiences raising your credit. Thanks for reading and have a wonderful day.

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.

Questions & Answers

    © 2018 Josh Woods


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      • profile image


        4 months ago

        i know of hacker that could add tradelines to your credit. He can also raise your credit scores and erase hard inquiries and other negatives from your credit. He did all that for me within just few days. You can email him at firewallbreachexpert at gmail dot com

      • profile image

        Cynthia Roland 

        9 months ago

        My fiancé and I were looking to buy a home as We have been renting for a while and figure we are ready to buy a home together to start a family this December . However, we both had low credit scores mine is 575 and his is about the same. Mine though is low because of a few cc that I maxed out and then got hurt at work and was on workers comp and wasn't able to keep up with the payments. I do had an auto loan that I have never been late on and been paying on it the past 2 yrs and I also have student loans but they are deferred because I am still currently in school. We both have solid jobs/ employment and make decent money. However our score was a set back whenever we tried getting a mortgage. But all thanks to QUICKSCORE BUILDER who has helped repair our credit and raised our scores to qualify for a home loan .Starting our credit repair on time with Quick score builder was the best decision we made. In less than 3 weeks, he deleted all negative marks, hard inquiries and derogatory on our credit report and helped to boost our score to 785 and 790 respectively . We are moving into our new home by December for $90,000. This is a dream come true. Contact QUICKSCOREBUILDER on ( quickscorebuilder (AT) Gmail . Com ) Please use me as a reference . Thank you!

      • profile image


        9 months ago

        No doubt I’ll say contacting QUICKSCOREBUILDER (at) GMAIL . COM is the fastest way to build credit score. It’s never too late to own that dream home or car in the remaining month of the year. My past credit history was not so good, it was low 500s, so last month I started repairing my credit with QUICKSCOREBUILDER he cleared everything off and it slowly rose to 737. However...I have applied for 2 home loans at big banks this past year and have been denied due to THEIR credit scoring system has me under 620, both my wife and I. When I finally concluded the repair process my score went up further to 780 and I no longer got denied for a loan. And am happy to say that I and my family will be in our own home in the next 10days. We have good jobs my income is $36k and my wifes is $44k. All thanks to quick score builder for coming thru when I needed help the most. Feel free to contact him if you need credit improvement. ( QUICKSCOREBUILDER (at) GMAIL . COM )

      • Lifefusion profile imageAUTHOR

        Josh Woods 

        11 months ago from United States

        I'm glad that you were able to increase your score. I don't agree with using a 3rd party to help increase your credit score in most situations, but if you have the money to pay and don't want to deal with creditors then i guess it's an option. Although the money used to pay the 3rd party could just pay down your debt.

      • profile image

        Luke Aniston 

        11 months ago

        My credit score has been in shambles for years and i had a lot of late payments and some already in collections which affected my credit score to be reduced until i found out about buildupmycredit,org . I have seen a lot of reviews about buildupmycredit so i had to contact them and to my amazement they helped increase my credit score to 776 in 3 weeks. it was just so amazing that now i can apply for a higher credit limit. Reach out to buildupmycredit,org

      • profile image


        13 months ago

        Hi. I once had a credit score of 574. This is due to some late payment on my credit. All efforts to raise my credit score quicker does not yield any result because it is rising slowly even with on time payments. Few months ago I met this credit instructor who helped eliminate those collection on my report and improved my credit score to 810 "excellent" after we both settled on a deal. What really amaze me was how he got it done, he treats his client like family and go beyond his perimeter to get it done. Contact him if you need a similar service

        cYberHack005 Atgmail dotcom

      • profile image


        15 months ago

        A magazine published earlier his month says between March and now, the percentage of the population having a perfect score has increased by 28% I know why, a lot of them have been paying to get it fixed.YES try to consolidate your credit so everything can be on a perfect stand and a golden score(i am talking at least 795) in three days. ALL CHANGES ARE PERMANENT.This can only be done with the concentration and smartness by Notablespy who has assisted so many individuals,i just got saved by him too.he can be trusted. I got my credit score increase up to 820% and from then my whole story changed, i had enough money to stand on my own, i had my very big dream come though right now my family and i live in a house of our own and i already have two other house along side. This is an achievement ever. Although what i paid can't be compared to the good work i received from him out of his kindness. Contact directly email Notablespy . org (@) gmail. com

      • profile image


        15 months ago

        At 57, i had been on the same job 30 years with no promotion in 15 yrs. I spent a lot of time taking care of my parent, who later passed, and that caused a lot of medical bills for me, late pmts and therefore filed chapter 13 and it got discharged. But all these led to me having a low credit score at about 513. including the fact that i had a fore closure a few years back. I really needed assistance to build my credit. and while surfing for the best ways i could repair my credit, i stumbled upon a page where someone made a suggestion about contacting a hacker so i contacted the email he provided, globalview (.) hacker (@) gmail (.) com and that was how i was saved. This hacker did not only raise my credit score but also cleared all the negatives i had on my credit report including the fore closure. It's just unbelievable. So Happy.

      • profile image


        16 months ago

        i wont lie on what i never did ,so as will i mention what i went through about my credit history for some all began with a thought ,What can i do to save my home? I’m a single mother.I have owned my home for 7 year but it is currently in the process of foreclosure because I did not qualify for any loan modifications due to debt to income ratio. HELOC account acquired from wells Fargo is carrying a debt of 15 k .I can afford my bills but fell behind and now can’t catch up.This led to a fall in my score drastically which was on 501 as at the time i mailed (Hackmania_9(at)outlook( . )com)) after i came across him on a New York website.My high expectations was not cut short as i have develop high level of anxiety on him fixing it.i filled application form for the processing of the repair,and we reached to an agreement base on terms and benefit to both parties.He loaded my HELOC account and paid all the outstanding bills,That's not all ,my score got increased to 801.i still cant believe what has happened to me,i see him as my God sent Angel .i'm soliciting for him because i am part of his good work and a 100% satisfaction is what i received from him.


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