Having a high credit score means you don't have to worry about being approved for loans and credit. And the higher your score, the lower your interest rates will be. Anyone can get control of their finances and raise their credit score over time, but if you're trying to borrow right now, then chances are you don't have much time to lose. Luckily, there are a couple of tips you can follow that should help bump your score up fast.
Instructions
Necessary Preparation
- 1
Check your credit report. Make sure there are no mistakes on it, and see what kind of outstanding negative issues you have that are bringing your credit score down. Everyone is entitled to one free credit report each year from each of the three credit bureaus -- Equifax, TransUnion and Experian. Get your reports from the Annual Credit Report website (see Resources), and check the reports from all three bureaus.
2Write a dispute letter if you find a mistake on your credit report. Send the letter to the credit bureau whose report contains the mistake; if more than one report has a mistake, write to more than one credit bureau. Ask them to investigate and remove the mistake from your credit report. Send copies of any proof you have that the negative information is really a mistake; investigations are usually done within 30 days.
3Pay all of your bills on time from now on. One of the best ways to show you're a responsible borrower is to make on-time payments. This doesn't apply to just your credit cards either -- you need to pay your rent or mortgage, electric bills, water bills, auto loans, insurance and everything else on time too. If you're behind on any payments, pay those past-due balances off.
Fast Fixes
- 4
Get an installment loan, like an auto loan or a personal loan from the bank, to show you can handle different kinds of credit. Installment loans are different from credit cards, because they are paid back over a period of time. Credit cards are what is known as revolving credit, which means you can keep reusing them; installment loans like mortgages are just paid back in payments.
5Make big payments on your credit cards. To see a jump in your credit score, reduce the amount of debt you have as fast as possible. Use that personal installment loan you got from the bank to pay off your credit cards to less than 30 percent of their credit limit.
6Stop using your credit cards. Revolving debt means you can just keep spending the money you're paying on the card balances. If you stop using the credit cards, then every payment you make actually goes toward reducing your debt.
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