How Can I Cheat an Bring My Credit Score up for Free by 100-200 Points

Title: How Can I Improve My Credit Score for Free by 100-200 Points?


Your credit score plays a crucial role in determining your financial health, impacting your ability to secure loans, rent an apartment, or even get a job. If your credit score is currently lower than desired, you may be wondering how to bring it up by 100-200 points without spending any money. While there are no magical shortcuts, several effective strategies can help you achieve this goal. In this article, we will explore these methods, debunk common myths, and provide answers to frequently asked questions.

Strategies to Improve Your Credit Score:

1. Review Your Credit Reports:
Start by obtaining a free copy of your credit reports from the three major credit bureaus (Experian, Equifax, and TransUnion). Carefully review each report for any errors or incorrect information that might be dragging your score down. If you find any discrepancies, file a dispute with the credit bureau to have them rectified.

2. Pay Bills on Time:
Punctual payment of bills is crucial for maintaining a healthy credit score. Late payments can significantly impact your score. Set up automatic payments or reminders to ensure you never miss a due date.

3. Pay Down Debt:
Reducing your overall debt can significantly improve your credit score. Focus on paying off high-interest debts first, and consider debt consolidation options, such as balance transfers, to lower interest rates.

4. Increase Credit Limits:
Contact your credit card issuers and request a credit limit increase. This can improve your credit utilization ratio, which is the percentage of available credit you are using. A lower utilization ratio positively impacts your credit score.

See also  How Bad Does Overdrawing Affect Credit Score

5. Become an Authorized User:
If you have a trusted family member or friend with a good credit history, ask them to add you as an authorized user on their credit card account. Their positive credit behavior will be reflected on your credit report, potentially boosting your score.

6. Diversify Your Credit Mix:
Having a healthy mix of credit accounts, such as credit cards, installment loans, and mortgages, can positively impact your credit score. However, only acquire new credit if it aligns with your financial goals and you can manage it responsibly.

7. Avoid Closing Old Accounts:
Closing old credit accounts can negatively impact your credit score. Keep those accounts open, as they contribute to the length of your credit history, which is an important factor in determining your score.

8. Be Cautious with New Credit Applications:
Each time you apply for new credit, a hard inquiry is recorded on your credit report, which can temporarily lower your score. Minimize the number of new credit applications to protect your score.


Q: Can I cheat and quickly raise my credit score by 100-200 points?
A: No, there are no shortcuts or cheat codes to instantly raise your credit score. Improving your credit score requires consistent effort and responsible financial behavior.

Q: How long does it take to see improvements in my credit score?
A: The time it takes to see improvements in your credit score varies depending on various factors, such as the severity of your credit issues and the strategies you implement. Generally, you can expect to see significant improvements within six to twelve months.

See also  Who Filed a Collection Deliquincy Report That on My Credit Score

Q: Will checking my credit score frequently harm my score?
A: No, checking your own credit score does not harm your credit. This is considered a soft inquiry and has no impact on your score. However, multiple hard inquiries from lenders or creditors can slightly lower your score.

Q: Should I pay someone to repair my credit?
A: No, you should not pay anyone to repair your credit. Many companies claiming to repair credit are scams or engage in unethical practices. You can improve your credit score on your own by following the strategies mentioned above.


While it may not be possible to cheat or take shortcuts to raise your credit score by 100-200 points overnight, following the aforementioned strategies diligently can help you achieve your goal over time. Remember, responsible financial behavior, timely payments, and reducing debt are key factors in improving your credit score. Take control of your financial future by actively managing and nurturing your credit score.