How can i Improve my credit score faster ?

Submitted by shekhar on Sat, 04/11/2009 - 16:00

Hi everybody,

I am searching for answer to this question on this forum.

How can improve my Credit Score faster ?

Can any one help me to know that how can i improve my credit score faster.
If anyone know answer for this question please help me to know that.

I will hope, You will give me satisfied answer to this question.


Hello Shekhar,

There are actually many answers to your question but a lot of it will depend on the kind of credit you have right now.

If you have any lines of credit with high balances on them paying them down to atleast 30% or below of your available limit will increase your credit score quickly.

If you have any really past due or charged off accounts you could request a pay for delete to have them completely removed from your credit score.

You can also send debt validation letters to any Collection Agencies who are reporting on your credit report with the hopes that they will not be able to produce your original agreement binding you to the debt they claim you owe.

These are just a few examples. Others may be around shortly to offer their advice as well. Any additional information about what is on your credit reports would also be very helpful.

Good luck.

Sat, 04/11/2009 - 18:54 Permalink

Hi, as stated above keeping ur entire debt to limit below 30% is great. But to improve your score it takes time. Credit history and credit lenght makes up a big portion of your fico score. Paying all your bills on time really helps out.

Sun, 04/12/2009 - 18:36 Permalink

It is not possible to improve your credit score faster. It is a time taking process and you need to have patience in order to improve your score. For improving your score,
Firstly you need to dispute and remove the incorrect listings from your credit report like delinquent accounts and unauthorized hard inquiry listings.
Secondly, you need to pay off all the outstanding debts either by settling the debt for less or by paying it off in full. Doing so you can reduce your debt to income ratio, which will help you to improve your score.

Mon, 04/13/2009 - 05:55 Permalink

Here's a bit more advice, as well...............there are 'companies' out there that CLAIM they can "fix" your credit very quick. Watch out for these companies...if it sounds too good to be true, it probably is. It does take time to build/re-build your credit. may want to see what the 'fall-off' dates are on your debts (look on your Credit Report). When the debts 'fall-off' , this will help raise your score, as well.

Mon, 04/13/2009 - 11:03 Permalink

yes these companies are rip offs, they will take your money upfront and never do anything to help you.

Mon, 04/13/2009 - 19:07 Permalink

(Am I the only one having trouble with Credit Magic Forum..I mean,.....sometimes it freezes my computer when I try and go on the Forum?!) Remember....there is no 'Magic' way to repair your credit. If the SOL's, on debts, have expired then don't pay on the debts. Try to get Validation on what you have...if you can't, then send a letter to the CB's stating no Validation was given and see if they will remove the debt. 'One step at a time.'

Tue, 04/14/2009 - 10:37 Permalink

Getting good credit score takes time and cannot be raised in a little amount of time. Pay your bills on time and keep your entire debt under 35-40% and over month period of time your score will go up.

Thu, 04/30/2009 - 18:10 Permalink


Apart from above advices I will add some more points to it.

How much do you owe currently for the credit card alone? R u really paying your credit card bills now? (I mean are you current)

you haven't mentioned any credit score details about you.That will give a better idea.

Monitor your credit report regularly as most of the time it is a crucial thing to do. :arrow: :arrow: :arrow:

Sun, 05/03/2009 - 14:09 Permalink

Yes just pay ur bills on time and keep ur balance to limit under 30% and over time ur score will increase over time.

Sun, 05/03/2009 - 22:25 Permalink

Hello Everybody.

(Yes just pay ur bills on time and keep ur balance to limit under 30% and over time ur score will increase over time.)

Hi GarySnober,

Thanks for reply me. I has paid my all bill before the due date & i maintaining my credit cards bills very careful. Here i know that the when i wants to increase my credit score so never apply for new CC. It will effect on your credit score. I will follow your tricks. Thanks Again.

Now my credit score is 590. Which credit score called high credit score.
Any one can tell me about that. I wants to apply for new loan so i need to make my credit score best. Thanks for your passions.

Thanks & Regards.

:lol: :lol: :lol: :arrow: :arrow: :roll:

Mon, 05/04/2009 - 05:26 Permalink

HI, what kind of loan are you trying to apply for and get? In this market and current economy the term high fico score is alot more then what it use to be. 740+ is a good score right now. Seems really high but its not impossible to achieve if you follow the correct steps. Conventional loans for mortgage loans are 720+ and FHA loans are around 620. Auto loans ive heard are pretty strict right now like 700 min fico score to get a reasonable rate.

Mon, 05/04/2009 - 05:43 Permalink

Hi visa Vs master Card,

Your score of 590 is not a good score when it comes to current economic my proposition is you should concentrate on increasing your
credit score and then you can surely go for the loan you best needed.

If you are planning for the unsecured personal loan then you need to have at least 700 score in order to get a good interest rate for loan.

keep us informed.

:arrow: :arrow: :arrow:

Wed, 05/20/2009 - 07:20 Permalink
winnable (not verified)

There are literally hundreds of credit repair websites and a lot of them try to guarantee success but the reality is most of them are just a waste of money. They use methods of repairing your credit you can do yourself if you simply google credit repair templates. Their process is very lengthy and requires months and even years to get a lot of things removed and sometimes the bad marks can come back as some companies are very persistent, especially if you still owe them money.

The only guaranteed method to repair your credit is to pay off the old bills and get your derogatory balances to $0. "Well that isn't very helpful" is probably what you are saying. Since none of us just have cash laying around to do that there are other things you can do that are guaranteed to increase your FICO score practically overnight and start rebuilding your credit.

It's actually very simple. Sign up for Millennium Secured Credit Card and send them $300. Buy $90 worth of groceries on it and make the payments. Keep the balance under $90. Then sign up for and get a $10,000 unsecured credit card, buy something and make the payments. Do a google search for USA Shopping Club and sign up with them for $12,500 unsecured credit card buy something and make the payments, Eclub USA and get your $3,500 credit card and finally Horizon Gold and get your $500 credit card.

Once all of these companies report to the credit bureaus you are going to see an immediate increase in your FICO score. Guaranteed. Then you can work on getting the bad marks paid off and removed. It's much easier to get them permanently deleted if you don't owe them any more money.

Tue, 05/26/2009 - 17:55 Permalink
T. Ishmael (not verified)

Does having these secured cards and paying as suggested really improve one's FICO score?

Fri, 11/26/2010 - 04:25 Permalink

How can you apply for all those secured and unsecured credit cards when your credit is poor??? And doesn't it mess up your credit score more everytime you apply and they check your credit, and then you still are denied?

Tue, 12/07/2010 - 23:22 Permalink

After paying off any negative debt on your report, your scores may dip a bit. Especially if they were old stale debt. A good way to bring those scores up by at least 100+ points within 6 months is to get a secured cc if you don't already have credit cards in good standing. Remember to keep the balance at 30% or less of the limit on the cc. and pay it on time.

Wed, 12/08/2010 - 00:42 Permalink

To shekhar,

There's no quick fix or shortcuts to credit repair. However, there are smart ways to get your credit working for you the way you want it, if you are willing to put in the time and effort and understand the differences between some offers out there over others.

Personally, and you can read all about it on my personal blog at, I've had to deal with defaulted student loans, collections, charge-offs, pay-to-deletes, broken leases, unemployment, family losses, and more. But I was able to get through all of that with time and focus.

Here are a few things I found that helped. Essentially, we're not taught how to control our credit or manage our finances, or how it all works. We learn as we go in this world. Funny, they teach you all sorts of specialized lessons in school, but not how to manage your own finances. We take that stuff for granted it seems. But now that the recession has hit and money is tighter, people are starting to wake up.

For me, it took about two years to bring myself back from the pit. I'm talking almost down to 500 and below when I started digging out. As of last month, I was at 696. Here are some quick tips:

1. Check out credit unions - they'll be more flexible with their credit card offerings and a little more lenient in their view of your credit report. In some cases, they only look back 3-4 years versus a full 7 or so, which helps. Plus they can sometimes get you a mix of lines. For example, I was recently given a $5k unsecured Visa, plus have the flexibility of getting $2500-5k more in a personal line of credit when I want it. No fee on the visa and 9.9%APR. I can get the personal line for less % too.

2. If you have other cards you're trying to pay off, organize it this way: a) Organize them from highest interest rate to lowest. b) pay minimum payments on all of them, but take all of your leftover money you can pay extra and put it on the highest one. c) once the highest one is paid off, leave it open for the good credit history but don't use it but once a quarter. d) Start overpaying on the next highest and repeat on down the line til they're all paid.

3. Tradelines and utilization. Do you have any other revolving accounts outside of the Visa you're aiming to get? Maybe there are possibilities there for you to expand your credit through some store credit lines (either some place brick n' mortar like one of those big box stores or online like or amazon, etc.) But here's the key. Always keep it paid on time and use no more than 25-30% of your total available.

I compare credit reports and histories to resumes. It's about building good references. If you're walking in to get a new job, if your past references look great on your resume, you'll likely get hired. Same with credit. If you have good reference and proof of good habits, you'll get more credit. And I'm not saying go out and frivolously get random credit, I mean get your credit history good enough to get the necessary credit lines you need for life and family, like car loans, mortgages, etc.

There's more I've had to go through including stuff about how to get out of defaulted student loans, etc. at my blog if you want to take a look. Feel free to comment or email me too if you have questions. I'm no expert, but I've learned more from personal trial and error than anything else, and perhaps I can save you some time on something.

PS! To flowerintrg's post above...

Exactly right! Be careful about opening too many credit lines at one time. Each time you apply, they pull your report. Each time it's pulled, it can put a temporary hit to your score. Be extremely careful and choose wisely (and spread out over I quick fix!).

Wed, 03/09/2011 - 05:30 Permalink
ST (not verified)

I started with a 500 credit score in 2008, got the Orchard and household credit cards, then about 5 store cards, and 1 personal loan....all in all, raised my score from 500 to 701 today. Just keep using and paying the credit cards. Over time it works. And don't touch the collections at all. Don't call them just wait it out. I have a 4 collections account, all are going to disappear by end of 2011. I figure once they are gone, should be sitting at 750. But after 2-4 years, they can't touch you anymore. Those collections are just trying to get you to restart the 7 years that it will stay on your report, even if you decide to pay them. Remember, its 7 years from the date of last activity, so if you decide to pay them now, the 7 years start all over again.

Thu, 04/07/2011 - 18:49 Permalink

I know sometimes there doesn't seem to be a 'light at the end of the tunnel',..but, believe me, there is!! When I seperated (and divorced) my EX left me with so much bad debt accounts. I just called each one and explained situations, etc. Most of them were pretty good at 'working with me' (however, it didn't happen 'over night dealing with these people). I feel like I really accomplished some things!! My credit has gone up a few points. I just keep 'plugging away' at what I have 'control of' instead of what I don't. Hope this makes sense and hope its helpful.

Wed, 05/18/2011 - 12:29 Permalink

Keep paying on the debt you have now...make timely payments on CC's, loans, that kind of thing. Every time your debt goes down (and it does when your balances go down), your credit score actually comes up a few points..........and a few points is a few points~~!! :D

Sun, 05/22/2011 - 20:01 Permalink

Some lenders see a 590 score to be 'fair'. Actually..I get my credit scores and information on my credit and all 1 CRA rate my 580 as 'fair'. Was able to get a credit card to improve my credit (a $300.00 limit). Sure does help to improve my credit. I pay the balance every month instead of just the monthly payment.

Sun, 07/08/2012 - 01:59 Permalink

According to me, there is no quick way to fix a credit score.The best advice for rebuilding credit is to manage it responsibly over time. If you haven't done that, then you need to repair your credit history before you see credit score improvement.Credit score repair begins with your credit report.Making your credit payments on time is one of the biggest contributing factors to your credit score. This is easier said than done, but reducing the amount that you owe is going to be a far more satisfying achievement than improving your credit score.

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Sat, 09/14/2013 - 06:35 Permalink

Try to pay off your bills on time in order to reestablish your credit score. If you owe to the creditors, then start paying off to regain control over your financial state.

Wed, 09/25/2013 - 12:28 Permalink
T-Taylor (not verified)

I have a credit score of 561 and I knw isnt a good score. I have a class to attend on July12th to own my own home but u have to have a score of 620 if not dey give you time to get it there. I've been having Lexington Law Firm working on my credit for little overa month and I've already seen two negative items removed off my credit is there anything else I can do to help speed things up dont wnt to be working on this to long to get my score where First Home Buyers wnts it to be to start owning my own home.

Sat, 06/21/2014 - 18:49 Permalink

Improving score it takes time. So, be patient. You need to know that it takes time and discipline to improve credit scores.

This are the steps that will help your credit score improve.

Know what goes into a good credit score.
Pay your bills on time.
Keep your credit card balances low.
Manage your debt.
Don't close old credit cards.
Limit your applications for new credit.
Watch your credit report.

Thu, 07/24/2014 - 04:47 Permalink

It takes time. Don't be hurry.

The best way to improve a credit score is by making on-time payments.

Payment history accounts for 35% of a credit score, but there is no need to dig yourself into debt to improve your credit score.

Qualifying for a low-limit credit card is all you need. Make a few small charges each month and pay your account in full each and every month.

Keeping charges below 10% of your credit card’s limit is good for your credit score as well. So if you have a card with a $500 limit, keeping your monthly charges below $50 is also a good, credit-building strategy.

Mon, 07/28/2014 - 06:05 Permalink

If you’re looking to improve your credit score, you must first identify what’s holding your score down so that you can address the problem and focus your efforts where they’ll have the greatest impact. Here are four steps that’ll get you started

1. Check Your Credit Reports for Accuracy

Your credit score is solely based on the information reported in your credit report. If the information in your credit report is inaccurate, so too will be your credit score. For this reason, you’ll want to make sure you check all three of your credit reports for errors. If you find errors, be sure to dispute the items directly with the credit reporting agencies to you have them corrected. Under the Fair Credit Reporting Act, you’re entitled to one free credit report from each of the three credit reporting agencies once every 12 months. Learn how to claim your free annual credit reports.

2. Find Out Where Your Credit Score Currently Stands

After you’ve verified that the information in your credit reports is accurate, it’s time to find out where your credit score currently stands. Unlike credit reports, your credit score is not included in the annual freebie so you’ll need to either pay for access, or use a free credit score resource, such as’s free Credit Report Card.

3. Find Out Why Your Score is Low

Credit scoring models are designed to include “score factors” or “reason codes” that explain where you lost the most points in your credit score calculation. These factors are specific to your individual credit history and will vary from person to person. There is no “one size fits all” credit improvement plan, but with the help of your score factors, you’ll be able to outline your very own credit score improvement plan that’s specific to your credit DNA.

4. Outline Your Plan and Stick to It

Now that you’ve identified the causes of your low score, it’s time to put a plan in place and stick with it. Generally, there are three main causes for low credit scores — too much credit card debt, negative information caused by poor credit management, or a combination of the two.

If your credit score is low because of too much credit card debt, fortunately, you’re looking at a quick and easy fix — provided you have enough cash on hand to pay down the debt. A large percentage of your credit score — 30% — is based on your revolving utilization, or the proportion of your balances in relation to your credit limits on your credit card accounts. By simply paying down your credit card balances you can see your credit score improve almost overnight. As soon as your credit card issuer reports the update to the credit reporting agencies, your credit score will reflect the change.

If your credit score is low as a result of negative information, unfortunately, it’s going to take time and consistent changes in the way you manage your credit obligations. You’ll first need to address any outstanding collections or unpaid debts, and from there, you’ll want to begin adding new positive credit information to your credit reports to help offset the damage. The key here is to be realistic about the time it will take to improve your credit score. If you’ve suffered from past credit problems, the fastest, most effective way to begin rebuilding your credit and improving your credit score starts with adding positive credit information and managing the accounts impeccably this time around. That means making all of your payments on time, and making sure you keep your credit card balances low.

Thu, 07/31/2014 - 07:44 Permalink

Payment History
Utilization Ratio
Length of Credit History
New Credit
Types of Credit in Use

The best way to build credit is to:

Maintain one or two credit cards. (The older, the better.)
Pay your cards in full every month. (Or every week, as I do.)
Never, ever, EVER be late on a payment. Like, ever. (Easiest way to do this? Automatic payments.)
Keep your “utilization ratio” under 20 percent. (Easiest way to do this? Pay in full weekly.)

Mon, 08/04/2014 - 04:54 Permalink
matzcrorkz (not verified)

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Tue, 08/05/2014 - 19:24 Permalink

There is no fastest way to improve credit score, it takes time. Apply your patience when you improve your credit score. Just pay on time that's the best way.

Wed, 08/06/2014 - 06:34 Permalink
suz (not verified)

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