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11 Ways To Increase Your Credit By 100 Points!

Updated: May 11

Increasing your credit can be a tricky thing, but knowing what moves to make and when to make them can help.

With knowledge and a little patience, you can increase your credit score by upwards of 100 points or more depending.

In this article, I will share 11 quick and easy tips you can apply that will guarantee an increase in your credit score.

First, you need to know what factors make up your credit score.


Rent and Utilities should be on your credit report! Some scoring models agree, and therefore allow you to report these bills on your credit score.

You will have to use outside services like rent reporting services and Experian Boost to do this, but it is worth it.

Not all bureaus report the same items, but it won’t hurt to have it on at least one or your reports.

Creditors that see this will know that you have a good reputation of paying your bills on time.

How quickly will it increase my credit score?

  • Experian Boost works immediately. By the following month, you will see the boost in your score for reporting bills like, water, electric, cell phone, etc.

  • Rent reporting services may take longer. This depends on your landlord's cooperation. Depending on the company, you will have to get your landlord to agree to the services as well. This could take a few weeks for all the paperwork to be in order, then the rent reporting service can start tracking. They will report at least the past 2 years of your rent history. This will give you a nice boost, if you’ve been good.

Tip #2) Keep paid-off accounts open

Just because you have paid off your credit, don’t close the account. They are helping you look good to creditors.

First, because it is paid and is in good standing, second, because it is showing that you can manage credit wisely, and third, it shows that you have long standing credit.

Age of credit makes up 15% of your credit score factor.

How quickly will it increase my credit score?

  • Not closing these accounts will help prevent a thin credit file. This will help you maintain the numbers you already have.


Creating a strategy to pay your bills on time, is the foundation to increasing your credit. Without this step, all your other efforts will be in vain.

Set up autopay to help until you get the hang of things. Payment history is a large chunk of your credit factor, 35% to be exact.

If you are going to be at least 30 days or more late on your payment, call your creditors to inform them. Most of them will agree not to report the missed payment if you set up an arrangement to pay.

Even if they don’t agree to this, making the payments as soon as you can will save your report from taking a delinquent mark.

How quickly will it increase my credit score?

  • This varies depending on the length of the missed payment. More recent missed payments, 30 days, have less of an impact on your credit score.

  • You can always redeem yourself by immediately paying the bill on time, then fade it out with good credit behavior.


Everyone makes mistakes, get your credit report for free and look for any mistakes. If you find any inaccurate information, file a dispute with the credit bureaus.

Mistakes include:
  1. Payments marked as unpaid

  2. Fraudulent activity

  3. Old or inaccurate collections

  4. Negative information that has reached the age limit and should be gone, etc.

How quickly will it increase my credit score?

  • This will take about 30 days for creditors to investigate and make the changes to your report.


This little detail goes unnoticed by many consumers, but having a different mix of credit plays a part in your credit score.

15% of your credit score is based on the different types of credit you have.

Most people don’t pay attention to this, but it matters!

How quickly will it increase my credit score?

  • This will help you maintain your score, but can give you a boost within 30 days.

Caution: You don’t want to open too many new lines of credit. If you have little to no credit this is something you can definitely keep in mind.


30% of your credit factor is based on the type of debt. Collections are a negative type of debt for your credit report.