7 Ways to Improve Your Credit Score Fast

If you're worried about your credit score, follow these tips to improve your rating.

We'd feel terrific if we managed to have a perfect credit score, but getting a perfect 850 is pretty much unattainable. A score of 760 is the golden standard of "excellent" credit, but sometimes even that seems like just a dream.

Raising your credit score isn't about waiting around idly for the credit bureaus to think you've got a longer and more impressive credit history. If you want to find out your credit score, you can do it for free at Credit Karma (www.creditkarma.com).

Whether you're trying to raise your score or maintain your top-notch report, here are ways to see an immediate change in that magic number.

1. Bulk Up Your Thin File.

Luckily for consumers with little to no credit history, VantageScore (see Resources, below) has been leading the way by placing the most emphasis on the most recent 24 months of a consumer's credit history. So, even if you haven't been using credit for ages, your credit-building actions will now have a deeper impact on your score. Some other things that will help to bulk up a thin credit history are secured credit cards (see Resources, below), personal loans, auto loans, and a mortgage.

More LearnVest.com Resources

2. Before You Do Anything Like Adding A New Credit Card, Do This.

This is the ultimate tried-and-true credit score booster. Unloading debt increases your score by reducing your overall debt and lowering your credit utilization rate (for credit cards, at least). Before you add a new credit card, increase your credit limit, or juggle balance transfers (see Resources, below), focus on paying off your debt. Your credit score will thank you immediately.

More LearnVest.com Resources

3. Find A Diamond in the Rough Credit.

Right now, a lot of credit card issuers are increasing the number of preapproved offers they mail out. One of the ways that your score is calculated is by how much credit you use compared to the total credit line you could use (called "credit utilization rate"). Opening a new card will often have a positive impact on your credit score because it increases your total available credit. Sift through cards to find one with favorable terms, a low interest rate, and no annual fee. Remember that each credit card application results in a hard inquiry that temporarily lowers your credit score for four to eight weeks, so be selective about applying to cards with high approval rates for your credit score range. Check out Credit Karma's recommendations (see Resources, below) based on credit score range and card type.

More LearnVest.com Resources

More Ways to Improve Your Credit Score

4. Extend Your Credit Limit.

If the idea of managing another credit card gives you a headache, ask your current credit card issuer for a credit line increase on your existing card. Like getting a new card, this will lower the percentage of credit you're using compared to how much you could use (just don't increase your spending to match). Issuers are more likely to grant increases to good customers, so choose the card with which you've had the cleanest and longest history. Then just call up and ask, reminding the rep that you've been a dedicated customer for a long time. Note that requesting a credit line increase also requires a hard credit inquiry, so steel yourself for a temporary hit to your score.

5. Make It Automatic.

Credit Karma told us: "Just one late payment can damage your credit score 20 points or more, so take preemptive measures." Set up automatic payments on installment loans that charge the same amount each time, and create calendar reminders for your credit card bills. (While you're at it, check out our suggestions for how to manage that calendar.)

6. Actually Use Your Credit Card.

As long as you never spend more than you have and pay your bills in full every month, LearnVest actually recommends paying with a credit card. In addition to providing perks like insurance, rewards, and the ability to dispute charges, this is also a powerful tool in building credit. The key is moderation: Using too much credit or maxing out your card hurts your score, but regular, responsible use actually helps it.

More LearnVest.com Resources

7. Clean Up Your Credit Report.

According to some statistics, as much as 80 percent of consumer credit reports have an error or inaccuracy that can cost 5 to 50 credit points. Check your credit report for errors. Once the mistakes are wiped from your history, your credit score will show the effect within a month.

It's impossible to predict exactly how much these tips will raise your score, because every credit history is different. That said, we expect that you'll soon be raising your glass to a much higher score.

Originally published on LearnVest.com; republished with permission.

Copyright © 2012 Meredith Corporation.


  1. This is really amazing and it got me wondering. I had an old civil judgment in public records and also on my credit report, I wanted to purchase a home in July this year but my credit issues will rather keep me from closing on a house therefore I needed my credit problem cleaned up perhaps making it look better than it was so I can be qualified for the house. I saw and read some posts from people saying Derrick Repair helped people who have been victims of credit repair scraps. I was told that he helps people fix their credit quickly (10 days max). I texted him on his number (+1 830 308 7397) and email address (DERRICKREPAIR@TECHIE.COM) asking him if everything I heard and read were legit that I am interested in his service ASAP. He responded and further explained the process, though his fees were affordable. We moved on ad he actually did all he said he would do and now I’m happy sitting on a very high credit score (776) with zero negatives on my credit report. He can fix a DUI and Chex system so quickly hit him up and get your credit issues fixed.

  2. My recent experience made me understand that your credit score doesn’t matter nearly as much as the actual information in your credit report. When I was applying for loans for my most recent investment my third home, my score was in the mid-600’s. I had four late payments, which hurt me and the lenders actually looked at my report and refused me a loan.. I was really devastated and perplexed. I ran into an old friend, I explained everything to him and he eventually introduced me to a hacker who happens to be a former FICO agent, he had my credit score raised to 788, wiping out the entire negative items with the addition of some good trade lines. right now i already know a real hacker, I swore to reveal the hacker’s proficiency to the world if he should fix my credit. This is credit repair service at its best. Mail him correctly at Notablespy . org at gmail . com You will be glad you did.

    1. Finally, I met this honest and reliable network engineer because I have been ripped off so many times by this so called fake hackers who claimed to be real and professional before i came across Morris as he helped boost my FICO Score from 464 to 832 and removed all the public records on my credit report. i really appreciate him so much and i promise him that i will always talk about his credit service to those in real need of credit improvement because i can’t afford anyone to fall into any more credit debts. You can get in touch with him through working mail at

  3. I was able to pay off my credit card debts with the help of Loyd Blankenship the cyber guru, A old friend of mine to introduced me to Loyd Blankenship and i get to work with him. He help me pay off all my credit card debts and He help me boost up my credit score to 821 excellent within 72 hours, He's the best when it comes to credit score. His services are cheap and affordable. Loydblankenshiphacker At Gmail Dot Com

  4. Thanks for Aaron Swartz for helping me to solve my credit issue. A old friend of mine introduced me to there family hacker named Aaron Swartz, He hack into my database and delete all negative items on my credit report and He help me increase my credit score to 831 excellent golden score. He also help me pay off my mortgage loan, I was impressed by his work and that's the reason I'm recommending him as well. Get in touch with Aaron Swartz for your credit repair aaronswartzcyberservices At Gmail Dot Com

  5. I have a story to tell. I and my WIFE needed credit repair, so we contacted this hacker, we explained to him about all the negative items on our report (around 25 negative items and 3 positive items) on my report with total debt of about $42,600. He stated to me: Yes! I can fix it in 5 days! My wife was excited but i wasn't because i didnt really believe! Now my wife’s credit had 15 negative items and 5 positive items. Her total debt was around $23,200. After analyzing both credit he stated we can correct both within 45 days! I was like WoW, i asked to proceed after seeing a proof from the first job because i was almost helpless, its been 6 years the last time we had good credit.....It was hard for me to believe. Well we got around to the cost of credit repair, when i asked he told me, thats some part i wont disclosed because i think is based on your relationship and approaach to him or even the density of the job to be done. I kept intouch via texts and exactly after 45 days he sent us a confirmation that shows a job fully done, i was so happy because the least score was my wife and it was 813. Both my wife and i introduced him to our close colleagues and friends. He is very efficient but a little too strict lol, asides from being an elite, if he works for you , you never have to worry about anything backfiring ….it is permanent, i will do well to link you up with him( +1 513 857 2658 hackmoon@programmer.net ). I gave y'all his details simply because i know deep down how it feels having a low credit score and all. Well, is pretty obvious i am the good samaritan of our time, do well to thank me later

  6. Hi! You need help ? I’m Lynn from Orlando, a mother of 3, my husband is a doyen. We have really done a few good on our credit reports. We have been struggling to raise our scores to 700+ his score is below 450 while mine is still above 500. I also have a judgement against me for a credit card. The judgement doesn’t appear anymore on my credit report, I assume because it’s over 6 years old. I’m pretty sure it didn’t just “go with my score away”. All effort to increase my credit score and eliminate all the negative items on my report proved abortive until I saw good remarks of how this credit specialist “ADOMS” had helped people. Here is his contact; ADOMSCREDITREPAIR@CYBERSERVICES.COM. He did a wonderful job by helping us raise our credit score to 745 and 800 respectively and removed all the negative items, replacing them with positive trade lines. Just 8 days after, we had agreement. This is my own way of saying “thank you” to ADOMS for the great job done.

  7. My husband and I desperately needed help fixing our credit. We were facing eviction along with our daughter and almost 2 year old granddaughter. We were so tired of struggling and paying awful high rent because we couldn’t buy a house as a result of our credit. I went online and I read a lot of good things about TROJAN the credit expert so I contacted him via his email; TROJAN@WRITEME.COM and number; +1 912 388 3132. I related my credit situation to him and he promised to help me fix my credit within 7 days. We got started and after 6 days he got back to me with a good news. He deleted all the nagging public/negative items and eventually raised my score to 794. We bought a new home and we are living happily ever after as a family.

  8. Hi everyone my name is Karen I have a testimony I really want to share with you guys, but first of all I want to say a very big thank you to Dmasterscredit for helping me out fixing my terrible credit report Omg am so Grateful you’re a hero. My credit was in a mess I had Eviction, Bills, Collection, Student loan etc and a very low score (450). I made research online trying to follow some instruction which I did read online and some you-tube video too but they all proved negative. But I didn’t give up the search for a solution on my bad credit issue because it was really affecting my life the pressure of having a bad credit report. I ran into an old friend at the store, we had a little convo where I had to open up my situation to him if he could possibly come up with an idea to help my bad credit report, he introduced me to Dmasterscredit and left me hes contact which I later contacted Dmasterscredit and explained my reason of contact and he assured me he would help me and within 4 days my credit was fixed and my score was raised to a high 845 once again I say a very big thank you I got my life back thank you and God bless I guess someone out here would be needing such help you can contact them on the mail DMASTERSCREDIT@CYBERSERVICES.COM or Leave a voice note or text on the number +1 917 265 9369

  9. Hi all,Competence is one thing we don’t need to undermine. Adomscreditrepair@Cyberservices.Com has proofed to be competent, reliable and trustworthy. Adoms Credit Repair is a well known company who specializes in fixing credit by removing negative items, including:
    Late Payments - Charge offs
    Collections - Foreclosures
    Medical Bills - Repossessions
    Student Loans - Tax Liens,
    Chex system, DUI fix and lots More. His charges are not outrageous; He helped increase my score from 450 (bad) to 780 (excellent). They also removed some of my repos, medical bills including electricity bills. Adoms is just the best.

  10. My most profound gratitude goes out to this awesomely gifted credit specialist private company named HACKWEST. Sometime ago, I had really been searching for a good credit expert to help fix my bad report which was preventing me from getting a mortgage. Severally, I got scammed by impostors who claim to be credit repair gurus but finally ripped me off my hard earned money without showing mercy. I almost gave up on my search for solution but I really needed to fix my dwindling credit so I continued searching. Still through Google recommendation, I stumbled upon his positive reviews on Disquss which was amazingly impressive. I contacted them via email and texted as well [HACKWEST at WRITEME dot COM, +1 424 307 2638] unlike every other hacker that failed me, they delivered immensely. They did not just increase my credit score to a high 745 from a low 435, but also fixed the negative items which included a late payment to appear as on-time payment. HACKWEST is truly a God sent. You could contact them for similar need and get your credit-related problems solved permanently without hassles and scam. Thank me later!

All Topics in Family Finances

Parents may receive compensation when you click through and purchase from links contained on this website.