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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.

You could also be sued for not paying your collections, so if you are trying to buy a home, this isn’t good.

Make sure you negotiate with the collection agencies to remove the account off your report when you pay. They are not obligated to do this automatically, but most of them will agree to do it.

It will even help your debt-to-income ratio if you are thinking about buying a home.

How quickly will it increase my credit score?

  • If you are just paying collections off, you will see a change in about 30 days

  • If you have to dispute them, this could take longer.


Applying for a secured credit card will help your credit score, especially if you have no credit. It is a good way to start building credit.

Caution: to get a secured credit card you will need to open a new line of credit, but don’t go overboard. Get what you need and get out of there! Don’t open too many new lines of credit in a small window of time. This could be a RED FLAG, especially when you go to purchase a home.

How quickly will it increase my credit score?

  • This may take at least 6 months to see improvement. It will take time for you to build a record of keeping a low balance and making on time payments.

  • It goes toward your credit reputation more than anything.

  • But, it can also add some depth to your report.


Most people don’t know this or find this a little confusing, but keeping a balance on your credit card isn’t all bad.

If you can not pay the balance off, try to keep your overall balance down to about 30% in total debt.

Doing this will maintain your score, and you won’t have the stress of struggling to pay the balance off each month.

If you are trying to get a big boost though, keep your overall balance down to about 6%, at least around the time of the creditor reporting date. (The creditor reporting date can be found with the details of the account if you are signed up to a credit monitoring service.)

Another trick is to pay on your bill several times a month to keep the credit utilization down.

How quickly will it increase my credit score?

  • These tips will help you see a change in about 30 days of implementation.


Avoid too many new lines of credit, hard inquiries affect 10% of your credit score. Once you get what you need to start building your credit, lay low and don’t apply for anything else.

The age of your credit makes up about 15% of your credit score.

So, really, this affects two components for your credit score factor.

How quickly will it increase my credit score?

  • This will take at least 6 months to make an impact on your credit score.


Your credit limit is an important factor because it shows you can be trusted with a large amount of money.

When your credit limit is high, your credit utilization could get lower, causing your credit score to rise.

So, if you get the limit increase, this doesn’t mean start spending. You just want to have an increase to show your maturity. You still want to keep your overall credit balance low.

Caution: some credit card companies charge a fee to increase your credit limit. Make sure to ask about fees when you are trying to increase your limit.

How quickly will it affect my credit score?

  • You will see improvement immediately after it is reported.


This is an easy way to build credit if your credit profile is low. To make this work in your favor, the person has to have a good to excellent credit score and the creditor needs to be reporting to all 3 bureaus.

You will get all the benefits of their good behavior with none of the responsibility. Especially, if you opt out of getting the card. This will help you fight temptation to spend.

Yes this is perfectly legal, it is called “credit piggybacking”.

How quickly will it increase my credit score?

  • This benefit will show on your report immediately. At least within 30 days.

Major Take Away

Try these suggestions and see how your credit score soars! If you've not done this already, sign up to Credit Karma to see your FREE credit score for Transunion and Equifax.


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