How to Get a High Credit Score Fast

The fastest way to get a high credit score is to keep your credit accounts open and take a few simple steps, all of which can be executed now and carried out over the course of the next several months. You'll need a copy of your credit report and credit score to get started, but, contrary to false television and print advertisements paid for by credit repair companies, you don't have to sign up for an outside service.

Instructions

1

Obtain a copy of your credit report and credit score from one of the three credit reporting bureaus, TransUnion, Experian or Equifax. Purchase a credit report and credit score combo online or order by mail. Track increases in your credit score as you complete the restoration process.

2

Request each credit reporting bureaus delete past debt from your credit report. Debt older than seven years and a bankruptcy filing older than ten years is subject to deletion according to consumer credit law. Contact each credit reporting bureau individually and submit a formal request for the removal of each account.

3

File a dispute with each credit reporting bureau if you find erroneous information, fraudulent accounts or an inaccurate payment history on your credit report. Provide any documents necessary to initiate the dispute process. Request a formal investigation of fraudulent activity through each of the credit reporting bureaus.

4

Contact existing creditors and request a lower interest rate, which permits a greater percentage of your payments to clear your debt instead of your interest fees.

5

Transfer high balances onto credit cards with lower interest rates. Inquire about transfer fees before making your transfer.

6

Make a payment above the minimum amount and, when possible, make a payment toward your credit debt more frequently than once a month. The lower your debt to income ratio, the higher your credit score will jump.

7

Don't close any current accounts and stay away from new debts. According to Philly.com, "adding a new car loan to your report can temporarily cut 20 points from your score."