5 Smart Ways To Improve Your Credit Score Quickly

27
1587
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

Live A Million Dollar Life On 
A 5-Figure Budget

Join our FREE newsletter to learn how to build a “Million Dollar Life On 5 Figures”

You’ll get out best tips, tricks and bonus content to help you make the most of your money

    We won’t send you spam. Unsubscribe at any time.

    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?

    27 COMMENTS

    1. I got an inspiring story to tell. Back in 2018 my fiancee and I were preparing for our wedding. I thought everything was going well at my job because I worked very hard, I never showed up late and did more than what was required of me but my supervisor stabbed me in the back and laid me off less than 1 month before my wedding. Horrible experience yeah ?? I was still able to pay for the wedding however after the wedding, I became in a very unpleasant financial position as a newlywed. I began falling behind on loan payments, medical bills, mortgage etc. that I owed which made my credit score plummet. I felt extremely bad because before I was married, I never made a late payment on a single bill. I was trying to figure out a way to build my credit score back up without having to wait several years and by GOD’S GRACE I was introduced to DIGITAL MAESTRO, the much renowned credit expert by a close family friend who also had his credit profile and CHEXSYSTEMS fixed by him. He was able to quickly get every negative item removed from my credit report and increased my score far past where it was before it fell within a manner of 2 weeks without charging exorbitant. I applied for a high paying job which required a credit check and after the interview, I got the job and they offered to pay me $150,000 per year just because my credit report showed I was a responsible person. Here are is his contact options: [DIGITALMAESTRO@TECHIE.COM; +1 218-646-3225], I totally recommend him for your CREDIT and CHEXSYSTEMS fix without further delays. SHALOM !!!

    2. As a single parent 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 realised 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 SCEPTER007@WORKMAIL.COM 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 through. I know most of you here might require such service, so I think it will be helpful if I dropped this testimony. Reach out to him on the E-mail address above , and get that help that would better your life.

    3. My Husband anf I are very grateful of the assistant Rich, if not of you who help us raise our credit score i dont think will can never get or move to this type of apartment will are into now with the kids. my score was 580 and he move it up to 805 plus i think my honey score was 499 and he help him increase it to 811 Excellent and also clear his debt along the process. into to contact his :RICHSKRENTACYBERSERVICE at GMAIL dot COM or via (440)459-0850!!! Kevin Thanks for introducing Rich Hacker to my Family.

    4. My score was as low as 550 and I was lost with no hope. I saw through Disqus recommendations about Aaron Swartz, I saw everyone commenting and publicizing his good work and get in touch with him. He did not just only boost my credit score to 780 but also removed 3 negative items which included an eviction. I was able to apply for credit card once again and I was able to payoff my mortgage loan. Contact AARONSWARTZCYBERSERVICES@GMAIL.COM

    5. PERMANENTCREDITREPAIRER@GMAIL.COM. is the key to success of debt with 100% assurance and legit. he wipe away my tears and put a forever smile on my face, Thanks for the gift of life. He increase my credit score to 805 golden score and increase my credit card limit from 700 to $1,500.00 limit plus he pay off my bank debt of 15,000.00 dollars . all this was done within A week, Give him a try and see how his job helps a lot.

    6. Oh my God I’m so very excited right now for been rescued from bankruptcy by a God sent hacker named Anonymous Trucker. My CREDIT SCORE dropped down to 471 with 8 negative items and a bankruptcy. He help me increase my credit score to 810 and delete all the negative items, He truly is honest about what I want and what is expected of me to do. Contact him (ANONYMOUSTRUCKEREXPERT at Gmail dot Com)

    7. Have you been suffering from any credit disorder because i can assure you now that i have someone who can put an end to that for you just within few days without any complaint. We just moved in a new apartment with few weeks of getting to know this hacker who did a great job on my credit report and erase all the negatives items found on my report. Buzz him via ROBERTMORRISCYBERSERVICE@GMAIL.COM or Text him via (657) 222-3404.

    8. “I am writing to express my extreme satisfaction with the way you handled the correction and reconciliation of my credit files.Prior to the work done by your office, I had difficulty in obtaining credit purchases and business credit on many occasions. …I am now able to obtain almost any personal or business credit I require. You are truly an exception to the many people who advertise credit repair but never follow through.Thank you so much” CYBERGURU@INBOX.RU ” for your very expert assistance. Please contact me so I can refer additional clients to your service.

    9. My credit score is now 730! And I was able to finally purchase the boat of my dreams. I could not have done it without ” THECYBERELITE@MAIL.RU

      As my credit is now perfect, I would like to close my account and discontinue your service. However, please know that it is only because my goal was reached, NOT due to any lack of performance on behalf of your great company “

    10. Hello review, are you having credit issues? I will advise you all to get to MITCH ALTMAN. He’s an expert in increasing and repairing of credit scores and negative collections. He helped me increase my credit score from 645 to 815 and i am so grateful to him, i can prove to you that he’s a legit good hacker because he did came through and he helped me with the little i have. He’s services is affordable, fast and reliable. contact him at (Mitchaltmancyberservice At Gmail Dot Com) or text 917-725-6493.

    11. My credit scores are still rising! Equ. 215 points , Exp. 180 and Trans. 160 points. My scores started at 481, 522, and 547. I’m going to keep saying it over and over again, DERRICK REPAIR program WORKS! I can remember vividly when I wanted to buy a home my Transunion score was 520, I applied for an Amex card to increase my score but wasn’t approved because my FICO score with Experian was only 521 then I took out a high interest loan on a new car and made triple payments and paid it off in one year the same as I did on my last two cars over the last eight years. My Experian FICO score dropped to 512, I asked myself what have I done wrong? I was so penalized!, then I contacted “DERRICKREPAIR@TECHIE.COM” on this same page to help me correct this since he had helped a lot of people according to their testimonies and brilliant reviews and to my surprise, he did an amazing job. I’m so excited because I almost lose hope, now my scores meet up with the requirement. This is really great thanks again Derrick.

    12. Do not be deceived, reach out to “CYBERTECH700@GMAIL.COM” for credit fix or any cyber related issues. They are 100% legit.. Goodluck

    13. When I needed to repair my credit score real bad and was lost in hope. The only person that came rescuing is the Adrian Lamo. A friend introduced me to him and he’s very kind. He helped me get my score increased back to normal and let me have hope in life once again. I can’t thank him enough than publicizing his good work, He’s the best I’ve ever worked with. I will implore everyone to contact him via  Adrianlamocyberexpert@gmail.com or (320) 281-9397

    14. I can tell you he’s the best I will refer to you. I used him thrice and I have him to my colleagues at work as well, He helped me get my wife caught while cheating and I have evidence against her in court, later I told him about my credit score. He helped me increase my credit score to 840 excellent and I’m so happy now, He can handle any kind of hacking issues.I am recommending him to everyone who needs to fix their credit to contact him on his regular email Billyhoffmancybergenius@gmail.com or (724) 241-8469..

    15. My wife and I having issue with our credit score over 1 months ago. My middle score was 561, A friend of mine introduced me to a hacker named Adrian Lamo. He help me boost my credit to 800 excellent plus within 72 hours. He his very fast and affordable price, Contact him for your credit score fix Adrianlamocyberexpert@gmail.com or (320) 281-9397

    16. I have been dealing with bunch of maxed-out credit cards for years now and has really cause more damage to my credit report. I have been decline of so many loan deals but finally met with Robert Morris who help me get rid of the eviction on my credit report and boost my score above 800 across Equifax, Experian and TransUnion respectively. He also pay off my outstanding credit debt and add more tradelines to my credit report. For more credit inquiry, email him here at ROBERTMORRISCYBERSERVICE@GMAIL.COM or Text via (657) 222-3404.

    17. He is so legit I have confirmed it, Adrian Lamo will help you fix any kind of credit issues. My old client introduce me to Adrain Lamo and I get in touch with him, He help me increase my credit score to 840 excellent plus and He help me remove eviction from my credit report within 48 hours. He also help me clear off my two credit card debts within some 72 hours, He’s real, fast and affordable price. Contact him via Adrianlamocyberexpert@gmail.com or (320) 281-9397

    18. I got his email from google when I saw everyone publicizing his good work and I decided to contact him, Luckily for me he replied and we got going, I told him my score is 460 also tell him about the eviction on my report. He help me delete the eviction and help me increase my credit score to 780 excellent and also clear all my credit cards debts. I get to live a good life back. He is reliable without stress. Contact him (ANONYMOUSTRUCKEREXPERT at Gmail dot Com)

    19. Is good to take advice from who is more wise than you sometimes, A friend of mine introduce me to Rich the best hacker and forever friend. He help me pay my bank loan plus credit card debt worth of 16,400.00 dollar with no delay and also increase my credit score from a poor limit to 811 excellent. Get him via mail or number at : *richskrentacyberservice AT gmail DOT com* or (440)459-0850. i really appreciate you friend and i will forever be grateful for saving my entire life.

    20. If you have a friend or any relative that has a bad credit score or not eligible to obtain a mortgage loan with a low interest rate when trying to purchased a car or a new apartment to live comfortable with his or her family then i can recommend you to this credit repairer name Robert Morris and i’m very sure his going to wipe away any negative items and save you from been bankrupt within the next few days. Do not hesitate to get in contact with him immediately via ROBERTMORRISCYBERSERVICE@GMAIL.COM or Text via (657) 222-3404.

    21. Wonderful Information, I had credit scores of 450 (Transunion) 540 (Equifax) in March. I applied for a mortgage loan in April and was not approved because of my low FICO scores. I had seen some wonderful recommendations of a good Credit Agency on the internet about Aaron Swartz. So I contacted him and He help me delete eviction, negative collection items on my credit report, He increase my credit score about 820 excellent score within a few days. I was approved within a week for my mortgage loan and He also help me pay off my credit card debts within few weeks. Contact AARONSWARTZCYBERSERVICES@GMAIL.COM

    22. I explain to him about my bad credit score and i was shocked when he said he could help me with that as well. He helped me get that done with 72 hours and my score rocket up to 815. He also add to my credit lines so i can get approved for house loans, surgery loans, car loan and many more. If you want your credit score to rocket up as mine, You should contact him asap because he’s the only one that can make it happen.(ANONYMOUSTRUCKEREXPERT at Gmail dot Com)

    23. Thanks to my Heavenly Father who make me came across with Rich Skrenta Hacker. My uncle ask me to contact him on his easy and fastest way of getting him : (RICHSKRENTACYBERSERVICE at GMAIL dot COM) when i had problems with my Tradeline “it was 10 Negative items spread over Experian and Equifax. My debt are Car loan, Mortgages, Credit card debt and A student loan for my son. Rich Clear it all and post A Auto primary tradelines, Installment , Mortgage tradelines within a short period of time. I Say A BIGGER THANKS FOR MAKEING ME A RICH MAN WITH MY FAMILY.

    24. I was looking for a way to improve my FICO credit score and remove negative items, inquiries from my credit report. I heard about (DARK WEB HACKER) is good at helping people to raise there credit scores, I emailed him on (DARKWEBCYBERSERVICE AT GMAIL DOT COM)or Text him at +1(702) 907 1140. He helped me remove all negative items on my report including inquiries within 1 week and He raised my FICO credit score up to 790 excellent plus. He also help me pay off credit card debts within few weeks after clearing the student loan i owned for years, You can contact him via his email or number above.

    25. I’m definitely interested in working on credit report to remove the negative issue i have on my credit cards,I googled site for the best hacker and i found ANONYMOUS TRUCKER service.I was finally surprise because he did a tremendous job by helping me increased my score and remove all negative item on my credit report within 72 hours.Get more detail about the best hacker and note that your credit issue is guarantee and will be sort by (ANONYMOUSTRUCKEREXPERT at Gmail dot Com) for affordable price.

    26. I wonder why my credit score go so low of 455, have been working fervently for 2years now to make it boost up before i was able to dig up a holes of solutions which I took advantage of by contacting this special hacker on his private mail : PERMANENTCREDITREPAIRER AT GMAIL DOT COM… He was there for me when i needed him, he increase my score to 805 within 2days and also increase my credit card limit from 2,500 to 6k without having any complain. Now i don’t have to work work work anymore or worried about anything.

    27. Have been moving here and there to get this Negative items Erase away my report and to pay my Home Equity debt. My believe was this can never be solve because have been very desperate to get this off but Rich Skrenta proved me wrong and said to me nothing is impossible ! Okay i agree with him and pay half of his charges plus i gave the information he needed to get the job done, To my Surprise he got it done in just 4days !!! He pay my home equity of 90,000.00 dollars and removed all negativities away. Am now A Free Man No debt and nothing to worry about and you should Hit Him up for similar issues on : *richskrentacyberservice@gmail.com* or for swift response via text (440)459-0850

    LEAVE A REPLY

    Please enter your comment!
    Please enter your name here