5 Smart Ways To Improve Your Credit Score Quickly

Have you ever wondered what it takes to achieve perfect credit? These tips will show you how you can do it so you can join the 800 credit score club

Have you ever thought to yourself how long does it take to clear a bad credit history? Of can I fix my credit myself? These are all legit questions!

If you’re credit needs work and you’re wondering what causes your credit score to go up you’ll find everything you need here!

I’m not sure if you know how much your credit score can affect everything you do in life. If you have poor credit it can make purchasing things from a lender darn right difficult.  That’s why we are going to learn what it takes to improve your credit score.

Will someone, please raise your hand if you learned anything about how to build or improve credit back in grade school.  I know I definitely did not.

However, I was lucky enough to grow up in a family that educated me on credit usage and helped me with the first steps to being a creditworthy adult.  It has taken some time, but I finally hit 808 and am now part of the 800 credit score club. Yahoo!

The first way that I began my credit journey was by becoming an authorized user on one of my parent’s credit cards.  By doing this, I learned the fundamentals of responsible credit use, specifically making on-time payments and avoiding debt on the card.  

Second, once I turned 18 I applied and was approved for a Student Credit Card. Student Credit Cards are unique in that they provide financial education, better support, and payment alerts.  They are designed to help students get started off in the right direction with their credit.

I’ve always been the kind of person who gets a rush when looking at my credit report. I know, sounds like a pretty boring thing to get excited over!  But I really like to examine the different sections and think of various ways that I can improve my credit score.

I get a kick out of seeing it raise just a single digit.  I always knew that having good credit would benefit me in various ways throughout my adulthood.

This article may contain affiliate links, full disclosure here

Learn how to increase your credit score and receive better rates on your mortgage, car loans and even school loans. Everyday people can join the 800 credit score club

What is a credit score?

Your credit score is a very important number that determines your creditworthiness or the likelihood you will repay borrowed money.  A credit score is a three-digit number that you begin being evaluated for once you are 18 years old.

Credit scores typically range from 300-850, and there are 5 categories, ranging from bad to excellent.  

Anything that is over 700 is considered to be good by most lenders. However, shooting for the “800 credit club” gives you bragging rights and it says a lot about your ability to manage money.

Excellent 750- and higher

Good   700-749

Fair 650-699

Poor 600-449

Bad 600 below

How is your credit score calculated?

There are 5 different factors that are used to determine your credit score.  

factors affecting credit

Payment history, total credit owed, length of credit history, new credit/new credit inquiries and types of credit used.  Each of these factors helps the potential lender to figure out how financially capable you are.

People who have good credit know just how much their credit score can affect their lives and they do everything in their power to keep it in good standing.

Good credit takes work and discipline.  Making payments on time and maintaining a reasonable balance can be tougher than you think.  Anyone with a good credit score knows this isn’t always a walk in the park.

Why is your credit score so important?

As you can tell there are many factors that come into play when determining your credit score.  Having good credit makes financing things so much easier because you are able to get the best interest rates and don’t have to worry about being denied for a loan.

Those who have good credit also get the best offers. They receive low premiums for car insurance and are able to qualify for credit cards at good interest rates.

What is the 800 credit score club?

First of all, this isn’t some sort of club that only the rich can get into.  In fact, anyone who manages their credit and money properly can land themselves in this club. However, this isn’t something that will happen overnight. As of April 2017, the percentage of credit scores over 800 was 20.7%

For most people, the 800 credit club is considered to be a pretty worthy accomplishment to reach. Achieving the 800 range proves you are a financially responsible adult.

You will experience less haggling when trying to purchase something on credit because you have the respect and trust of the lenders.  

how to get a better credit score

5 Ways to improve your credit score to 800

To increase your credit score fast you will need to work on these five areas. Payment history, total credit owed, length of credit history, new credit, new credit inquiries, and types of credit used.

1. Payment history

Make it a goal to pay at least your minimum payment each month.  This is an essential part of maintaining good credit.  Be sure to not leverage too much credit to the point you can’t make these minimum payments.

2. Total credit owed 

This is a bit of a balancing game. You want to have a credit card and use it, yet you don’t want to spend too much on that credit card.  It is recommended that you use only around 20%-30% of your total card limit. If you have been using $5000 of credit and your max credit limit for all your credit cards is $20,000 you are at 25% of credit utilization.  ($5,000 divided by $20,000)

3. Length of credit history

In general the longer you have an account open the better that is for your credit.  If you are considering to close a credit account take a moment to think about what account would be the best to close.  Ideally, you should pick the account to close based on the length of time the account has been open.

If you are curious to find out how long an account has been open there is a free and easy way to check this.  Pull your credit at Credit Sesame.

4. New credit accounts or credit inquiries

“Hard inquiries” generally occur every single time you apply for any sort of credit such as a new credit card, a mortgage or a car loan. These inquiries can stay on your report for two years. You want to minimize the number of inquiries you have in a given time period.  

Be mindful when you are applying for a new line of credit because each inquiry affects your credit score.  Many people say if you are going to apply for a mortgage loan it is not in your best interest to purchase another large item such as a car in the same timeframe. First, let your mortgage loan go through then spend some time looking into purchasing your new car.  Try to space your credit inquiries out if possible.

5. Types of credit

This is where creditors want to see your diversification.  They don’t want to see you with 10 department store credit cards to your favorite clothing stores.  They want to see a balanced portfolio of credit use.  Maintaining a balanced portfolio can do a lot for your credit.  Consider diversifying your credit if it’s all tied up in one area.   

Head over to our Obliterate Debt series for ways to crush your debt

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    800 credit score benefits

    There are definitely benefits to having the highest credit score you can get. Even if you aren’t able to reach a perfect score of 850. Being in the 800 credit club is quite an accomplishment.

    I understand that chasing the perfect credit score isn’t for everyone and perhaps you have to be a little bit of a finance nerd to get excited over it.  But it really can make a big difference in the opportunities that are available to you.

    A person with a score in 800’s will have little difficulties qualifying for the best interest rates. They will also receive better offers on credit cards and higher limits on those cards. 

    This translates to more money in your pocket.  Interest over the course of a mortgage can be hundreds of thousands of dollars.  Knocking just 1% off your rate through good credit puts a ton of cash in your pocket

    Anyone who has an 800 score will qualify for the most competitive mortgage loans easily. This is a great graph showing you how different credit scores affect your interest rates.

    You will see that you can save a whopping $300 a month just by having good credit. I’m sure you can find something much more exciting to spend $3600 a year on than your mortgage payment.  It truly does pay off in the long run to have a good credit score.

    If you need more motivational tidbits of why striving for a good credit score can benefit you, check out this article on3 ways to capitalize on 800 credit scores.

    Final Thoughts

    Improving your credit score is possible.  It’s not something that will happen overnight but if you put your mind to it I know you can do it.

    If you are one of those people who doesn’t really know where to start and feels a bit overwhelmed.  Start with some basics, review your credit card for errors, make your payments on time, and focus on paying down your balances as much as you possibly can.  

    Our site is full of easy ways to trim spending which can all have a huge impact on getting your debt paid down. 

    I’m interested, tell me why you want to improve your credit score? Do you have the desire to reach a perfect score – why or why not?


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    42. Recently, i had issue fixing my credit score and removing lien from my credit report, i came across Kevin Poulson on here and i saw some useful comments about his credit service and stumbled on this hacker. He helped me to raise my FICO Score from 435 to 815 and clean up my credit report. He is very reliable and won’t expose your confidential data to anyone because you will feel comfortable when working with him. contact via email (KEVINPOULSENCYBERSERVICES@GMAIL.COM)

    43. My credit card information was stolen in 2018, I’ve been trying to check a spy and I couldn’t shop online anymore. I tried to cancel it but already got an email from the company about some charges carried out on my card and this keep me worried most time. Well i was finally introduced to an hacker online who helped me get back my credit card information which was stolen, the most important thing he did was the drop he made to my card to clear my bills. You can reach him on his email HOWARDCLARKCREDITREPAIR@GMAIL.COM for any credit repair and credit card help, you can also text him on his number +14122066908.He is very understanding and easy to talk to I can’t just thank him enough because he really saved my life.

    44. He never joke with his job and very very good at what he do when will talk about his job called Hacking , he can hack anything. he gave me a reason to be here and let you guys knows. my credit score was so low before i came across with him on google search which he helped me increase my score to 810 excellent and removed all hard inquiries with bankruptcy on my Report plus he paid all my business debt i took from CREDIT UNION 1 BANK within a short period of time without any delay please you can reach him on his mail and text number if interested : richskrentacyberservice AT gmail DOT com and (440) 459-0850

    45. During the past 2 weeks, CYBERGURU@INBOX.RU has provided me with valuable services in correcting and improving my credit score.. few collections was deleted from my credit report, score was raised to 742. reach out to them asap on (727) 547-3366.

    46. The question on if hackers can change credit score has raised a lot of fear and anxiety over time, billions of dollars lost to sincere and fake hackers all over the world yearly, in the 70s, 80s and 90s witnessed the bit of all this programs and hackers tricks, human race today is faced with the problem of who to trust in hacking world but them we just got to trust, my lovely wife and I read good recommendations online about this HACKER 760PLUS CREDIT SCORE especially the one said by RYAN HAVILA, my wife insisted we give him a try, I contacted him, and we had a deal after I made some initial commitment, within 72hours from when we entered a deal, I got a mail informing me that my Equifax is increased by 200 points, Transunion 160, and Experian 225 points. My credit score increased from 405 to 810, surprised on how my application for AMX card to increase my score that was declined became approved because my FICO score with Experian that was low in January, 2020 is now increased from 531 to 766.Write him on :760PLUSCREDITSCORE@GMAIL.COM or text +1(304) -774 -5902.

    47. I saw a lot of notification from a Disqus forum about he, I have been in need of help for years just to erase evictions and negative items on my credit that got me denied of getting mortgage loan. He help erase evictions and remove bad items on my credit report and He helped me boost up my credit score in few days. He also help me pay off my Chase Credit Card Debts with Navy Federal Credit Card Debts Along and He is reliable and trust worthy. Contact at “PERMANENTCREDITREPAIRER AT GMAIL DOT COM”

    48. As a single mother with 3 kids, I wanted a bigger space for my kids to live comfortably as they grow older. I had to work really hard for this course. My credit score was 705 so I thought I stand a chance of getting a loan for my new home. While seeking for a loan, I realized my report isn’t in a good shape. I had some negative items preventing me from getting the loan I seek. I looked for means to clean up this mess so I could possibly get the house I required. I got a recommendation on HOWARDCLARK from a friend after a wasteful search for about 3 WEEKS. I decided to give him a try after all. Surprisingly, within a short time, my report is in a good shape with all the negative items erased and my score increased to 791. I am gradually buying accessories for my new home and my kids are so happy. All thanks to him for coming true. I know most of you here might require such service, so I think it will be helpful if I dropped his contact here for you all. Email him now on HOWARDCLARKCREDITREPAIR@GMAIL.COM and you can also text his phone on +14122066908 and get that help that would better your life.

    49. Honestly getting a good credit score these days is like getting a raw refined Gold as the case may be. Though I must convey my appreciation for your generosity supporting men and women that absolutely need solution to their low Credit Score and poor Credit Profile. XAP special commitment, experience and expertise to increasing a low Credit Score and cleaning up bad or negative items, appears to be amazingly productive and has in every case encouraged professionals like me to realize their goals. XAP brought my Credit Profile up top speed, increased my Credit Score from a low 498 to a high 811 and as a result, I am qualified for everything. Thanks a ton from every member of my family. Deep down in my heart, I’m highly recommending XAPCREDITSOLUTION @ GMAIL ⏺ COM, or Text him on +1 (972) 597 9704 to anyone who requires help with their credit profile, and consider yourself lucky if they replies your mail or text; because they got a lot to offer in his data base. Remember to stay safe.

    50. Are you in need of a hacker to help you increase your credit score and delete all negative items on your report? Use this time our people and nation are faced with the challenge of Govid19 (Coronavirus) stay at home/ restriction to increase your credit Score ahead of the war against mankind, we must support each other and assist where necessary to share any information that may help the next person, I strongly recommend this great hacker called 760PLUS CREDIT SCORE who fixed my 3 credit bureaus within a short period of 2days. The hack was done as he promised and my score was raised to 820. He deleted the negative collection items on my report and helped me pay off my credit card debts within 48 Hours. His services are cheap and affordable especially now that he said they must help to ensure clients are happy and financially stable .Contact him for help today via 760PLUSCREDITSCORE@GMAIL.COM or text +1(304) -774 -5902.

    51. Thank you Aaron Swartz for all your help. I got a new credit card limit the sum of $15k with positive tradeline on my credit report within few days. He also help me raise my credit score over 200 point and He make sure he delete all negative items on my credit profile. He made my life better and easy without no regrets after working with him. I’ve been able to get the mortgage loan and that has being my dream. AaronSwartzCyberServices A T gmail {DOT} com

    52. I had a bad credit score and needed to increase my score, I was introduced to an ethical hacker named CALCE JOHNSON. He help me increase my credit score to 800 plus and pay my debt a sum of $25,000 within a very short period of time without traces, He is Affordable and legit. Contact him for your credit issue “CALCEJOHNSONCYBER At Gmail Dot Com”.

    53. I paid Lexington law to fix my credit score and they barely got it higher. I needed help clearing my Chexsystem report as well. I saw an ad online saying DIGITAL-MESTRO help people fix their credit and clears bad items on chexsystem in no time. I said to him, if this is true, I’m definitely interested in working with you to improve my credit so I can purchase my dream car this year and he gave me a positive response. He sent me screenshots of his process and I couldn’t believe my eyes. In less than 7 days, he had my credit fixed, my chexsystem report cleaned, my credit score raised to the score I wanted and all negative items I once had removed. All I can say is, Life is good when your problems are solved. You can get to him via his email: digitalmaestro AT techie DOT com or his cell phone +1 512 729 7391. He’s trustworthy and highly reputable.

    54. There are a few recommended steps you can take to improve your credit score that put you on the path to a good credit score. Improving your credit score is all about doing the right things over a long period of time. My colleague mentioned about how Cyber Guru assisted him over his credit score and how they clean up DUI report and Chexsystem. I wondered if they could fix my credit profile too. I already thought i’ll need to work all my life to pay up all this dept. But at my very state now I have my very low score of 535 brought me up to 750 within every 5 business days to get completed. After then My whole story changed, he did not just remove the negatives on my report only but also increased my score a bit higher up to 800 just in 14 working days. I owe a lot to them and that’s why i’m here sharing the good news right here. kindly mail at Cyberguru@inbox.ru or text +1 (727) 547-3366 for a safe hack.

    55. Are you in need of a professional hacker who can help erase your negative report, incraese your credit score and other hacking service..You can get in touch with BILLY HOFFMAN, His services are cheap and affordable especially now that he said he must help to ensure clients are happy and financially stable because of the challenge of Covid19 (Coronavirus)..You can get in touch with him on his regualr mail BILLYHOFFMANCYBERGENIUS@GMAIL.COM or Via Phone Number (724) 241 8469




    57. A couple of months ago I was reading analysis on Hacker News. This analysis was about a hacker raising their credit score from 455 – 810 and how their users were happy about it. I was just reading this as a news article and browsing through the comments on google when a simple comment from a user in google caught my attention so I decide to get in touch with the hacker and he helps me increase my credit score from 210 to 815 plus, he also deletes all my negative report now I’m free to purchase the kind of house I want you can contact him through his email at CYBERSPYGURU |At| GMAIL. COM

    58. I’ve been so happy and very satisfied with the services provided for my credit at 760pluscreditscore@gmail.com after I found about their services on Google when i was looking at how i could fix my credit, I had a lot of recommendation about them. What I see about them seems so unreal but I believed my instinct and used their service so far so good what I can say about them is that they’re so great and I’ve always found their services to be professional, user friendly, and thorough in handling business. I would recommend them to anyone in need of a credit repair or correcting credit cards payments/increasing its limit, you can also text +1(304) -774 -5902.

    59. Are you in any financial crisis and need a Loan? Do you have a business plan and therefore need a loan? Are you in debts and need a personal loan to pay back? Here is an opportunity for you. Trojan offers all kinds of loan with a 3% interest rate and a good repayment plan. I got a loan of $10,000 from them last month for a successful funeral of my late dad. Reach out to them for any form of loan and they will be more than willing to process a loan to you ASAP. Email: C Y B E R D O N @ C L E R K . C O M , Or +1 (903) 213 5023.

    60. YES, Don’t be deceived, I have been ripped several times all because i was in debt of thousands of dollars and bank refuse to grant me loan. I vow to tell people about him because i already gave up on getting a solution to my long time of renting an apartment just because of rental filing of 2 years ago and now low score. A new trial rocketed my score to 820, all debts cleared via a method which i prefer to keep to myself for security purpose. I am so happy and will continue to talk good about hack C R E D I T S P E C I A L I S T 4 @ G M A I L . C O M, Or +1 (903) 213 5023. All because i never expected him to deliver but he did. I love you buddy. Thanks for giving me another reason to smile and get back to life.

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    62. Working with private hacker was absolutely life-changing. After getting scammed I took a decision not to work with any hacker not until I met him. He was so helpful, he led the whole repair process and in 1 week my credit score was in 795 from 520. My husband ended up using him and in less than 6months we bought our first home. You can also contact private hacker through this email privatehacker247 at GMAIL dot COM he is actually the best and the only Legit Credit hacker out there.

    63. In the United States, your credit score can also affect your insurance rates. This is very important because insurance is expensive and a bad credit score could increase my insurance premiums dramatically. So I have to make ROCK BASE CREDIT REPAIR (ROCKBASE at PROTONMAIL dot COM) my family hacker. They eliminates late payments or any stuff you wish to eliminates from your credit report and increase your score to about 800, Contact them today for any kind of credit fix, tax clearance and all. They are good and timely. You can also text +1 (972) 449-1968.


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