More Ways to Improve Your Credit Score

If you are looking for more ways to improve your credit score, then make sure to do your research. There are many ways, other than the typical ways, to get the score increased and at a faster rate. However, it might be difficult, but then of the best things are, right? Here are the top ways to help improve your credit score.


  1. Get another credit card – This is one of the best ways to help improve your credit score. If you can get another new credit card, then go for it. If you are having problems getting a new card find cards that are especially for those who have bad credit or even go for a secured card.
  2. Get a credit builder loan – If you belong to a credit union or any other bank ask them if they have these types of loans. Basically you put a security deposit into an account and that is the amount of loan you are given and you make payments to the bank. When the loan is paid in full, you get to keep the money in the account along with the interest earned.
  3. Pay the balance down – Another good way to get your credit score down is to pay down the balances to the minimum required. This is important because the lower your credit utilization rate the better. Put a huge lump sum down towards the card with the highest balance.
  4. Pay all credit cards down – Make sure to pay all of your top credit card balances down to 10%. This is a fast and relatively easy way to boost up your credit score. This works because then it shows that you are using only 10% of each limit.
  5. Send a goodwill letter – If you have accounts that have been paid off, but are still giving negative marks on the credit score attempt to write a letter to the company. Ask them if they can remove the mark out of goodwill. Try to send the letter to a direct person at the company and the higher up the better. Don’t send it directly to the general address.
  6. Ask for an exchange – If you have a late payment or even an account in collection offer to pay off the full amount in exchange for the account being removed from the account. This is normally referred to as “pay for delete”.
  7. Dispute old items – After 7 years most of the negative accounts are supposed to be automatically removed, but if they aren’t then make sure to dispute them. However, bankruptcy will remain for 10 years and some liens can stay for 10 years as well.
  8. Make payments on time – Even for those that aren’t reported to the credit bureaus make all payments on time. Any of these can be sent to a collection agency, which will affect your credit score.
  9. Ask for validation regarding an account in collections – After the first letter or phone call ask for validation of the debt and the companies are required to provide it within 30 days. After this they can’t put the debt on the credit report unless you have proof they can and are allowed to collect the old debt.


There are many different things you can do to get your credit score up, but you have to be willing to invest the time and energy.

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