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3 Ways to Boost Your Credit Score FAST!

July 7, 2012 by  
Filed under Blogs, Credit Score

increase credit score



Repairing a shoddy credit report requires time, but there are few steps you can take to expedite the process. Here’s what to do if you’re hoping to give your score a boost FAST.


Pay down credit card debt.

One of the only surefire ways to give your credit score a quick boost is to pay down any existing debt you may be carrying on a credit card. This will have an immediate (and positive) impact on your credit utilization ratio, which essentially involves how much credit you are using versus how much is actually available to you.

Keep in mind, the move will only work if you pay down the debt then refrain from running up a big balance on the card. Issuers report current balances along with your payment status on a monthly basis so it won’t take long for these new charges to catch up to you.

Check your credit report.

Errors on credit reports are actually more common than you may think so combing over your credit report can benefit your score if it is indeed being pulled down by someone else’s negative information. If it isn’t, the exercise can be instrumental in illustrating what you need to do to improve your creditworthiness. Most versions of reports point out what items are particularly detrimental to the person’s score.

Everyone is entitled to a free credit report from one of the major bureaus – Experian, Equifax or Transunion – each year, which can be obtained by visiting www.annualcreditreport.com.

Commit yourself to making all your payments on time.

A first missed payment can cause a great credit score to fall 100 points or more. The good news is, so long as you don’t follow up this misstep with an even bigger one, you won’t feel the full effect for the entire seven years it takes the line item to age off your credit report.  Begin to undo the damage by getting current on your payments and re-committing yourself to making all future ones on time.

To avoid unconsciously missing a due date, enroll in auto-pay by linking your credit card and debit card accounts. You also might be able to do enroll for these options via your issuer’s iPad or mobile app.

Source: Credit.com (http://s.tt/1fMYx)

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4 Comments on "3 Ways to Boost Your Credit Score FAST!"

  1. Chuck on Fri, 17th Aug 2012 8:03 AM 

    This is absolutely right that there few steps to boost
    your credit score first and you described all points
    very clearly but if you payoff an account it might
    be days or weeks before the creditor reports it to the
    credit bureau and thus any FICO credit score change
    taken into account. Credit Scores are computed only
    on a snapshot of a credit report at the exact time
    the report is requested.

  2. Leanne Young on Thu, 11th Oct 2012 3:48 PM 

    Is there a way to boost your score up something like 150 points
    in 1 week? I just need it for a couple of days while I go car shopping.

  3. Mercedes Viscarra on Fri, 19th Oct 2012 9:58 PM 

    Good advise for anyone planning on getting a loan in the next 3 months.
    I’m going to print this out and share it with a few of my prospects.

  4. Deena on Mon, 29th Oct 2012 12:11 PM 

    Makes sense, pay your bills = have good credit.
    Doesn’t take a genius to figure that out.

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