Boost Your Credit Score

Author: Adam Ellington| March 14, 2018

Credit scores are widely regarded as the best measure of your financial success. What does yours say about you?

To take the first steps towards getting the house, car, or other major purchase you’ve always wanted you’ll need to fix your credit score.

If you don’t know what you credit score is, read our helpful guide and get your updated credit score.

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Getting Started 

First, you’ll need a relatively clear understanding of your finances. Ask yourself:

  • What are my current debts?
  • How much money do I have in the bank?
  • Am I behind on any payments like credit cards or my car?
  • How much do I typically make in a year?

If you don’t know the answer to any of these questions, take a few minutes to find the information. You can also get help with a respected credit score boosting provider such as our favorite, Boost My Credit.

Raise Your Credit Score in Under 30 Days

Raising your credit score doesn’t always take years. You can make simple changes right now that will have a major impact on your score in the next 30 days. Here are the steps:

Pay down revolving balances to less than 30%

Paying down your credit cards is a great start. Aim for a balance of less than 30% of the total amount you’re allowed to borrow.

Remove a recent late payment

This one is a little trickier. You’ll need to give your credit car or debt holder a call, and speak to a representative. It’s not a big deal though. Many times asking nicely is all it takes.

Remove a collection account

If you’re in collections you likely already know about it. Give them a call, and set up a payment plan. This will give your credit score a big boost.

Raise your credit limits

Asking for a credit limit raise is a great way to boost your score. This automatically improves your credit score because it shows that you’re borrowing even less than you’ve been approved to borrow. This can help even if you can’t afford to pay down any of your debt.

Charge small amounts to inactive credit cards

Don’t let your old credit cards expire. Having older accounts benefits your score, and if they’re shut down, you loose that boost. Buy a pack of gum or a book to show the credit card company that you’re still using the account.

Get Credit.

This one is easy too. Apply for a new credit card if you’re certain you can get it. However, do not apply for a card if you think you may be declined, as this can hurt your score. You may get a short dip from a credit pull, but once your credit is approved this will improve your score.

Get Help

There are services that can do much of the work for you. They’ll help you find the best way to raise your score and assist you with reaching your goals. Our favorite provider is Boost My Credit.


Final Thoughts

Taking control of your credit score is something every responsible adult needs to do. Make sure you get your credit score and what makes up your credit score. Then, take a look at the simple steps above to improve your score. If you have trouble making these changes, consider getting some extra help by monitoring your credit or using a trusted provider to boost your score for you.