How Else Can You Get Your Credit Score Up?

How Else Can You Get Your Credit Score Up?

Your credit score is a crucial factor that lenders consider when determining your creditworthiness. A good credit score can open doors to better loan terms, lower interest rates, and increased financial opportunities. While it may take time to build or repair your credit, there are several strategies you can employ to improve your credit score. In this article, we will discuss some alternative methods you can use to get your credit score up.

1. Become an Authorized User: If you have a family member or close friend with good credit, you can ask them to add you as an authorized user on one of their credit cards. This allows their positive credit history to be reflected on your credit report, potentially boosting your credit score. However, it’s important to ensure that the primary cardholder maintains responsible credit habits.

2. Consider Credit Builder Loans: Credit builder loans are specifically designed to help individuals build or rebuild credit. With these loans, you borrow a small amount of money, usually held in an account, and make monthly payments. The lender reports your payments to the credit bureaus, thus helping to establish a positive credit history.

3. Opt for a Secured Credit Card: Secured credit cards require a cash deposit as collateral, which serves as your credit limit. By making timely payments and keeping your credit utilization low, you can demonstrate responsible credit behavior and improve your credit score over time.

4. Utilize Rent and Utility Payments: Some credit scoring models, like FICO Score 9 and VantageScore 4.0, take into account your rent and utility payment history. By enrolling in services like Experian Boost or UltraFICO, you can allow these payments to be included in your credit report, potentially giving your score a boost.

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5. Pay Your Bills on Time: Timely bill payments are one of the most important factors in building and maintaining good credit. Setting up payment reminders or automatic payments can help ensure that you never miss a due date, thereby preventing any negative impact on your credit score.

6. Reduce Credit Utilization: Credit utilization refers to the percentage of your available credit that you are currently using. Aim to keep your credit utilization below 30% to demonstrate responsible credit management. Paying down existing debts or increasing your credit limits can help achieve this goal.

7. Diversify Your Credit Mix: Having a mix of different types of credit, such as credit cards, loans, and mortgages, can positively impact your credit score. Lenders like to see that you can handle various types of credit responsibly. However, it’s important to only take on credit that you can manage comfortably.

8. Regularly Check Your Credit Report: Monitoring your credit report for errors or fraudulent activity is crucial. If you notice any inaccuracies, you can dispute them and have them corrected, potentially improving your credit score.


1. How long does it take to improve a credit score?
Improving a credit score is not an overnight process. It can take several months or even years, depending on your individual circumstances. Consistently practicing good credit habits and maintaining responsible financial behavior will gradually increase your credit score over time.

2. Will closing unused credit cards improve my credit score?
Closing unused credit cards may actually harm your credit score. It can reduce your overall available credit, potentially increasing your credit utilization ratio. Instead, consider keeping these accounts open and occasionally using them to maintain a healthy credit mix.

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3. Can paying off collections or delinquent accounts immediately improve my credit score?
While paying off collections or delinquent accounts is a positive step, it may not immediately improve your credit score. Negative information, such as late payments or collections, can remain on your credit report for up to seven years. However, over time, as you demonstrate responsible credit behavior, the impact of these negative items will diminish.

4. Can a credit repair company help improve my credit score?
Credit repair companies claim they can fix your credit overnight, but it’s important to be cautious. Many of these companies charge hefty fees for services you can do yourself. Legitimate credit repair involves disputing inaccurate information and managing your credit responsibly, actions you can take on your own.

In conclusion, improving your credit score requires dedication, patience, and responsible financial habits. By following these alternative methods and consistently practicing good credit management, you can gradually increase your credit score and open doors to better financial opportunities. Remember to regularly monitor your credit report and stay informed about your credit status.