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4 ways to boost your credit score FAST!


Let’s say that you have been applying for a mortgage or any type of new loans (student loans, home repairs ect…), but are consistently turned down. Or, even worst? you do get a loan offer, but the interest rate is through the roof. 

Without a doubt, your credit score is responsible for it.

Obviously the higher your score, the better your chances of getting a loan, and the better your rates and terms. Here’s how to improve your credit score fast so that you can get the loan you need.

Check Your Credit Report For Errors

You won’t know if there are errors on your credit report unless you check it. Most people aren’t even aware that there are mistakes until they try to get a loan and they are rejected.

If you are are someone who pays their bills on time and never had any issues with lenders and for some odd reason your credit score is lower than what you were expecting, it could be that there are some errors on your credit report.

You’re allowed to review your credit report for free once a year with each of the three credit reporting bureaus — Equifax, Experian and TransUnion. You can get access to your free credit reports by visiting

There are other companies like that allows you to monitor your scores for free. You can even download the app and keep track of all your scores in one place.

Pay Everything On-Time

You can’t always blame the credit bureaus for a low credit score. In some cases, a low score is a result of your poor payment habits. Your payment history has a big effect on your score.

According to the Fair Isaac Corp., which calculates the FICO score, payment history makes up 35 percent of your score. If you aren’t already in the habit of paying your debts on time, doing so can improve your credit score quickly.

Keep Your Balances Low

How much you owe makes up 30 percent of your FICO score. The less you owe in comparison to what you could borrow, the higher your score.

If you can’t pay the entire balance off before the statement closing date, try to keep the amount you charge less than 30 percent of the amount of credit available. That means if your limit is $10,000, you want to charge no more than $3,000 over the course of a single billing period. Keeping your balance below 10 percent of your total available credit will improve your credit score even more.

Be cautious about new credit

Every time you open a new line of credit your credit scores drops a little bit. 

The one exception to this is if you don’t have much of a credit history and need a credit card to get started. In some cases, opening a new account can help improve your credit mix, raising your score in the long run. Only opening new credit accounts when absolutely necessary will help you improve and maintain your credit score.

Also be careful about closing credit cards you’ve paid off because it can lower your credit score. Closing a card causes your available credit to drop, reducing your borrowing power.


A good credit score is above 700. Very good scores are above 740 and exceptional scores are above 800. Raising your scores after a blemish on your credit report or building credit for the first time will take patience and discipline.