How to Raise Your Credit Score Quickly

Get That 720 Credit Score!

Learn how to boost your credit score without spending money with online credit repair companies! No matter what your credit history or how low, it can always improve.

Things You'll Need

• Recent Credit Report
• Credit Card Bills
• Discipline
• Desire to Change Your Life!

Instructions

1. Pay your bills ON TIME! A large part of your FICO score is determined by your bill payment history. Set up an automatic withdrawal on your bills. However, be careful not to spend your bill money on shopping sprees!

2. Pay all your credit card bills down to less than 40% of your limit. Example: If your limit on a credit card is $1,000, then always keep your balance $0-400. To apply this formula to other cards simply multiply your limit by .40 or 40%.

3. Having excessive credit cards takes a toll on your FICO score. Trim the credit cards in your wallet down to only 1 of each major credit card. Get rid of any unnecessary retail credit cards.

4. If you have several credit cards with PAID balances, it is not always necessary to close them. Just do not use them. Leave them open! By doing so, you are helping your credit history.

5. Call all credit card companies if you are having difficulty paying. Stop ignoring debt collector calls. Many times you can prevent negative credit information from being reported on your credit report.

6. If you have any credit history on your credit report that is old BUT is positive. KEEP IT THERE! Do not have it removed from your Credit report.

7. Have all negative information removed from your credit reports by disputing either by mail or directly online.

Tips & Warnings

• Get a FREE Copy of your credit report on annualcreditreport.com

• Boosting your credit score is not hard. It takes time and patience.

• Waiting until you need to make a large purchase is not the best time to try to boost your score. Work on it daily!

• Do not get discouraged! Your score will improve with discipline.

• Ignoring your bills and debt collectors will make the situation worse.

• Debt can be directly related to stress. Eliminate this stress with being proactive!

• Seek professional assistance from a financial advisor if you are overwhelmed by your debt.

Resources

• Become a Homeowner Fast