Doug's Credit Center Blog

How Can I Improve My Credit Score Fast?

If you have been looking at vehicles and have found that it will be difficult for you to get financing due to negative things on your credit report or an overall low credit score, you could be asking yourself, “How can I improve my credit score fast?”

A lot of people ask themselves, “How can I improve my credit score fast?” if they are in need of auto financing loans or another type of financing and are having a hard time getting it, but many of these individuals never take the necessary steps in order to repair their credit scores. Luckily, however, there are a couple of things that you can do in order to try to improve your credit score as quickly as possible.

Get Rid of Negative Listings

Negative listings that have been placed on your credit report by your creditors can really have a significant impact on your credit score, as well as your ability to qualify for car loans, credit cards and more. It can take seven years or more for things to fall off of your credit report, but you can sometimes have them removed in other ways.

  • Make sure that you scan over your credit report in search of any errors. If a creditor has made an erroneous listing on your credit report, you should dispute it as soon as possible in order to have it removed.
  • By crafting a “Pay for Delete” letter and sending it to your creditors via US certified mail, you can often talk your creditors into removing negative entries if you simply pay them what you owe them.

Add Something Positive to Your Credit Report

Building a consistent, positive credit rating can be very time consuming, but you can sometimes boost your score by just a few points by adding some positive credit to your name. However, make sure that you pay your bills on time every single month to avoid making your credit score any worse.

  • See if you qualify for a credit card from your bank or credit union; even a small credit limit can help you if you use your card responsibly.
  • Sign up for a secured credit card; even those who have really bad credit can typically qualify for these.
  • See if you can get a line of credit through a local department store or a mail-order catalog; make sure that the company reports on-time payments to the major credit bureaus, however.

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