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. I read several good reviews on (FORTRANCREDITREPAIR) good hacking services. I desperately needed help in increasing my credit score to be able to obtain a new place to live, start up a business and pay off medical bills that was killing me from critical PTSD disability government very low income. I got in touch with him with so much positivity in my heart and just as I hoped, he got the job done within 72 hours. I'm excited about this because the problems I had due to my low credit score has been a burden on me all this while especially being a single mother of three girls. Thanks to [FORTRANCREDITREPAIR@GMAIL.COM +1 320 245 4036].

  2. My name has been under debt review for over 6 years because of a debt which took so long to pay, I also have a broken lease because my dog was attacked on the property and almost died as well as a repo that my car will not pass smog and I was just dumping money into it then the transmission started to go out, so I handed it over. All of these was a problem to me until a friend referred me to King Zeus. He cleaned my report as well as increased my credit within 2 days for an affordable fee. I advise that you contact him on HACKKINGZEUS@GMAIL.COM to fix credit problems.

  3. hey everyone,I"m Bret and just a little information i'd like to share. really anyone hacker can have your score upgraded and hard inquiries removed.. tbh i've had mine fixed twice but it slipped back some weeks later not until i met Mr Zeek on an online forum and after a brief conversation i agreed to work with him. Now it's been 4months and i've still got a banging 750 and hard inquiries removed, if you also need this, you can contact Mr Zeek's team on zeektech01@gmail.com com or text preferably on 707 500 1675

  4. I am here to Notify you people that most of those called there self hackers are impostor, I’ve been ripped off up to 5 times by telling me they can helped me increase my credit score but at last all thanks to a friend Named "Taylor" who gave me a reliable info to contact ON ("Richskrentacyberservice At Gmail Dot Com or (440) 459-0850"), he help me increase my score and also hack into WU/Money-gram of 4000$ plus He pay off 13,200$ student loan. he works with carefulness and provide his best services with affordable price, I would prefer to let his services speak for itself, he does all kind of hacks, if he asks where you got his contact you can say from Delois Robin.

  5. It is not so usual of me to refer professionals online but I feel like I owe a lot to (Richardgreenblattcreditrepair) who helped me upgrade my credit score and fixed my credit report in 3days. He increased my credit score to 780 and removed 8 negative items on my report which prevented me from getting a mortgage to get a house for my family. Now I'm typing from the comfort of my home all thanks to him ….You can contact him through his mail account(Richardgreenblattcreditrepair AT GMAIL DOT COM)and mobile (+1(304) 278-4611)Give him a trial and you will be convinced.

  6. Hack Cyber the best in the business of fixing credit…..Second to none…He has helped over ten of my mortgage clients boost their fico scores as much as 100 points…..I sent one of my clients to him and this is what he did: they negotiated for a $5700 lien to be waived and removed and boost her credit score by 75 points. She saved over $10K in discount points and she was crying over the phone after what Hack Cyber did for her. He is the REAL MCCOYS…..Look no further, reach him via his work mail HACK.CREDITKING@GMAIL.COM

  7. Are you in need of a private investigator, hacker, or other private web services such as credit score hacks (removal of negative listings and increase in score), social hacks, seo hacks, php, ddos, fullz, western union hack, paypal load, credt cards top up, Fake IDs with authentic Social security numbers, Buy airline tickets for cheap, Security Breaches and Revenge Hacks, cellphone hack/clone amongst others, King Zeus is the plug. Contact (HACKKINGZEUS at GMAIL DOT COM or +1-407-900-6299) for more information.

  8. I worked for a major credit reporting agency and you won't believe how many Americans are affected by poor credit, and how simply they can help their own situation. Do you not watch the news? People think that the banks are on their side, but in fact they’re trying to keep credit scores low so they make more from interest payments - wake up people! Mine was also affected until I got in touch with (DPROTOCOL7@GMAIL.COM +1 320 245 4036)...I told him what I wanted him to do and he got it done. He is fast, reliable and charges Low, get to him today and be happy you did.

  9. Something just happened to me which I never believed was possible by anyone until now that I met a credit repair hacker who helped me get my problems off my neck. I was in the depths of despair. I applied for a mortgage loan through Navy Federal and was denied. I found the home I wanted and time is of the essence. I needed my credit repaired urgently and soon since I found my property. I had lots of charge offs, repo, and student loans. I needed the negatives all removed. But now I am so surprised to see the good changes on my credit report. Now I can provide shelter for my family. I am the happiest woman alive right now. Do reach him for help via EXCELLENT.REPAIRER@MAIL.RU
    TEXT: +1(817)8888002 and he will definitely solve your credit problems.

  10. I was not entirely sure how this works but I heard Empire Hack is good at helping people with their credit scores in all honesty I could slowly work on my score myself, but the eviction I had on my account was seriously hurting me. I was living with a room mate who's brother will be moving in soon which means I had to move. I didn’t want to live in hotels anymore I just wanted to be able to get my own place...As I speak, he got rid of all negative listings and eviction on my credit at a reasonable price. Thanks to him, I cant imagine what my life would have been If I had not met him. And for those interested in his services, his email address is (EMPIREHACK@INBOX.RU).

All Topics in Family Finances

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