10 Ways to Improve Your Credit Score Quickly

10 Ways to Increase Your Credit Score Fast

Everyone has a certain degree of control over their credit scores.  You can take some simple steps to improve your score no matter how good (or bad) your score already is!

If you think that you have no control over your credit scores and credit reports, think again. There are a number of things you can do to improve your credit score quite quickly.

You can obtain your credit reports from annualcreditreport.com, the official site.  You can also use various free trial offers to get your credit score in addition to the previous site giving you your credit report, such as myscore.com.  Getting your free credit reports is the best first step in finding errors and improving your credit score.

1. Dispute errors. Mistakes happen on your credit reports. You can dispute errors online through EquifaxTransUnion, and Experian.

[Offer: Are there mistakes on your credit report? You can get help removing them and fixing your credit with the credit repair professionals at Lexington Law. They can help you obtain your credit reports and their attorneys and paralegals assigned to your case will review your credit reports and then direct appropriate correspondence to your creditors and the credit bureaus. Get started today Call Lexington Law today – (844) 824-9764 for a free consultation. ]

2. Negotiate with creditors. Write a letter offering to pay any remaining balance on debt or an account that went to collection IF the creditor will then report the account as “paid as agreed” or will completely remove the account. [Offer: Negative items on your credit report? Talk to the leaders in credit report repair – (844) 824-9764 ]

3. Get a credit card, BUT pay your bills on time, and don’t use a large percentage of your credit limit. You have to be responsible for this to be a positive. If you can’t get a regular card, you can get a secured credit card.


4. Check your credit limits. Make sure your reported credit limits are accurate and not lower than they actually are. This helps your credit utilization ratio so it doesn’t look as if you are maxing out your cards every month.

5. Do not use the full limit of your credit lines. Experts say that your credit utilization ration should be less than 30% and preferably around 10%. So if your credit limit is $1400 then you should spend around $140/month.

6. Become an authorized user on someone else’s card. Get a relative or friend to add you to their existing credit card account. Use the card responsibly, or not at all.

7. Do not close any credit cards. Canceling a credit card has two impacts. First, it will reduce your overall available credit, which is a negative. Second, if the card is old, it will decrease the overall age of your credit cards which is also a negative. Use the card once a year to pay your cable bill o

8. Increase your credit limit so that your typical monthly usage makes up a smaller percentage of your total credit limit. This decreases your credit utilization ratio.

9. Pay your bills on time. This should be obvious, but timely payments make up a large portion of your credit score. If you are prone to forgetting, sign-up for auto bill pay.

10. Pay your bills twice (or more) a month so that you keep your credit utilization ratio low. If you pay off a portion of your bill just before the due date, your utilization ratio will drop. For example, suppose you have a $1000 credit limit and charge $500 in one month. Make a payment of $400 just before the due date so that your reported use would be $100 – 10% of your limit.

Keep checking back for updates and new articles with more suggestions to improve your credit score!

Latest Credit Report News

CFPB 2014 complaints report shows large increase in debt collection and credit
The CFPB's Consumer Response Annual Report analyzing complaints handled in 2014 indicates that volume rose 53% from 163,700 complaints in 2013 to 250,200 in 2014. The report provides data on the most common types of complaints for each product, …
Read more on JD Supra (press release)

How to Get a Credit Card With Bad Credit
Credit card issuers use your credit score to determine how much of a risk you pose and the likelihood that you will not be able to make your credit card payments. Consumers with great credit enjoy access to more credit cards with better terms and rates …
Read more on Nasdaq

What Keeps Some Consumers Stuck in Bad Credit

What Keeps Some Consumers Stuck in Bad Credit
For example, if someone with very poor credit, between 300 and 499 on the VantageScore 3.0 scale, has a $ 500 credit limit she should only spend $ 150 on it before paying it off to keep her utilization at 30% or lower, in order to help her credit score.
Read more on Credit.com News (blog)

Kristi Richardson Search: Search Warrants For Credit Reports Have Been
Two credit reporting firms did, and one did not, respond to search warrants in the investigation about a man who wanted to have a romantic relationship with Kristi Richardson who has been missing in early October. The results of those search warrants …
Read more on K2 Radio

Class Suits Over Job Applicant Credit Checks Headed to NJ
The suits claim that Michaels violates a requirement of the Fair Credit Reporting Act that requires employers intending to procure job applicants' credit reports to make "clear and conspicuous" disclosure of the practice in a stand-alone document that …
Read more on New Jersey Law Journal

Shopping For A Car Can Put A Dent In Your Credit Score
Among the worst things for your credit score are defaults, late payments, and high balances. However, hard credit inquiries can damage your credit score, too — and as one woman found out, if you're not paying attention, they can really add up.
Read more on The Car Connection

Australians 'alarmingly misinformed' about credit reports

Australians 'alarmingly misinformed' about credit reports
Most borrowers are ignorant about how their financial decisions affect their credit score, according to one research company. Experian's survey of 1,000 individuals found that 65 per cent of Australians incorrectly believe that contributing to …
Read more on The Adviser

The credit history Catch-22
Most people are familiar with the term “Catch-22.” It describes a situation in which there are no favorable solutions, because of the way the factors relate. Starting your credit history is one of the most frustrating Catch-22 problems in the financial …
Read more on Suffolk News-Herald

7 On Your Side: Credit reporting bureaus agree to be more consumer-friendly

7 On Your Side: Credit reporting bureaus agree to be more consumer-friendly
They were sharing the same credit report. Our Lisa Marie tried to get things fixed, but couldn't get the credit agencies to work with her. Allen said: "They would ask for my credit report, so I would go online and try to pull…" Finney: "Wait a second …
Read more on abc7news.com

Disputing Credit Report Errors: Not A Quick Fix, But Worth It
You have three different credit reports, one for each of the three major credit reporting bureaus — Experian, Equifax and TransUnion. Most of the information on the reports will be the same, but sometimes companies don't report to all three bureaus …
Read more on NerdWallet (blog)

US Stock Futures Up Ahead Of Consumer Credit Report

US Stock Futures Up Ahead Of Consumer Credit Report
US stock futures traded higher in early pre-market trade. Data on consumer credit for February will be released at 3:00 p.m. ET. Futures for the Dow Jones Industrial Average gained 33.50 points to 17,838.50, while the Standard & Poor's 500 index …
Read more on Benzinga

I Found a Judgment on My Credit Report. Now What?
Looking at your credit report regularly is one way to see if there are any judgments against you. Judgments are listed in the public record section of the credit report. However, credit reports are not always completely accurate or up to date. If there …
Read more on Credit.com News (blog)

Latest Credit Report News

Medical Collections on Credit Reports Will Soon Be Easier to Avoid
Pratt was referring to the investigative inquiry initiated by the New York state attorney general's office into the practices of the three major credit bureaus. In response to the attorney general's concerns about such issues as credit reporting …
Read more on NerdWallet (blog)

Remove "Authorized User" Negative Ratings from Your Credit Report
If you share a credit card with someone, they'll have to add you as an authorized user. However, if the primary cardholder doesn't pay the bills, your credit report could take a hit. Credit reporting agencies might be willing to delete that negative …
Read more on Lifehacker

Latest Credit Report News

Bamboozled: Big victory against creditreporting firm that wrongly called Navy
Chaz Epps shouldn't be mistaken for a felon anymore. A case of identity theft and a jumbled credit report brought Epps, 32, to Bamboozled in 2013. Despite some pretty clear evidence, the credit reporting company refused to fix the mistakes Epps …
Read more on NJ.com

Woman Is Sent 300 Credit Reports By Accident
A woman in Maine came home to a funny sight earlier in March when her mailbox was stuffed with more than 300 envelopes, each containing a credit report. Here's what's not so funny: None of them belonged to her. Katie Manning contacted a local news …
Read more on Money

Latest Credit Report News

“Somebody has messed up,” Woman receives credit reports for hundreds of
BIDDEFORD, Maine – A woman in Maine says she requested her credit report from Equifax, but got a lot more than she bargained for in return. Instead, she received hundreds of credit reports belonging to people around the country. “You have to see it to …
Read more on kfor.com

Consumer Watchdog: It's getting easier to dispute items on your credit report
The March 9 agreement means the corporate triumvirate with the power to make or break your financial life — Equifax, Experian and TransUnion — will actually begin fixing the errors on your credit reports and allow you more time to resolve medicals …
Read more on Wilkes Barre Times-Leader

Managing Your Credit Report Just Got a Lot Easier
It's important that we be able to have errors deleted from our credit reports. Image: Ervins Strauhmanis, Flickr. The credit industry is necessary; without it we couldn't borrow money to buy homes or cars, and would be walking around with a lot of cash …
Read more on Motley Fool

An Accurate Credit Report Saves More Than Money

An Accurate Credit Report Saves More Than Money
Even for the well-heeled, an inaccurate credit report can translate to lost opportunities or overly expensive ones. You may think you have good cash flow, your investments perform nicely, and you can get all the credit you want, so why waste time …
Read more on Santa Barbara Independent

Big Changes Coming to Your Credit Reports: What You Need to Know
Your credit reports are going through a major overhaul, and it's one that will help consumers. Considered by some to be the broadest industry overhaul in more than decade, the three major credit bureaus — Equifax, Experian and TransUnion — agreed …
Read more on Huffington Post

All Information is deemed to be accurate but is not guaranteed. All Warranties express or implied are expressly denied.
Some links are affiliate links and ads, which helps keep this web site free.