When it comes to raising a credit score and showing off a good history on a credit report, it usually takes months or years to build up a great score. After all, a credit report shows the HISTORY of someone’s credit, so every account, loan, line of credit, and everything in between needs to age like a good whiskey in a barrel. However, not everyone has the time to raise their credit scores gradually.
The good news is that there are methods to raise your credit score in as quickly as 40 days in order to get a good deal on that new car loan or home mortgage. Here are three quick and easy ways to improve a credit score
Experian, one of the three credit bureaus (the other two being Transunion and Equifax), offers a free service to boost credit scores. Although the score boost isn’t too significant, it is a quick, easy, and FREE way to boost a credit score. The easiest way to do this is to sign up for an account on Experian.com and select the score boost option.
What this score boost does is report utility bills and telecom bills on the credit report. This means, people need to pay their bills on time to get the maximum benefit from this score boost, but the boost can be anywhere from 5 to 10 points per bill.
There are several third-party services out there that will report rent payments as a form of credit on credit reports; thus, this builds up an instant history. However, these third-party companies will charge monthly for their services to report to the credit bureaus, and not all of these third-party services will report to all three credit bureaus. Most of the time, they’ll most likely report to Equifax and Transunion.
Again, like with the Experian Boost, the customer needs to make sure they pay their rent on time to get the maximum benefit from a score boost.
The third option, which is the most effective, is being added to someone else’s credit card as an authorized user. An authorized user is someone who has access to his or her friend or family member’s credit card, giving them the ability to use it as their own. This is great for families, especially if the original cardholder has a great credit history and pays their credit card on time. Depending on the limit, history, and having no late payments on the card, this can give a great boost to someone’s credit score. The only thing to keep in mind is that the authorized user will be able to make purchases with their credit card as well.
If being put on a family or friend’s credit card is not an available option, there’s always the option of getting on a company’s tradeline. A tradeline is a company-owned credit card that offers its services to boost a customer’s credit score and history. These lines of credit are purposely made for tradelines and are kept in top-notch condition–no late payments and no high balances. Though companies that offer these services will charge a premium to get a quick boost to your score, it may be worth the cost if a customer needs to quickly raise their credit score to land a good deal on a loan.
If you are looking for a way to raise your credit score or to be put on a tradeline, contact Fix Your Credit Consulting at (877) 212-2450 for a free consultation. We offer credit repair services, consultation to get on track with your finances, and tradelines to boost your credit score.
If you have any questions, feel free to give us a call at 877-212-2450!
We also invite you to click on the following link to Interest : Credit Fraud and How to Prevent It
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Ok so I've been holding off writing this review for about 7 months. And as you can see by the 5 stars I left I'm beyond happy with the services this company provided me. I was skeptical at 1st even though they had stellar reviews (which is why I chose them) but there's always that thing in the back of my mind of "well they probably won't be able to help me though, I will be that exception they cant fix". Needless to say they absolutely crushed getting EVERY collection I had off my report!!! I had about 5 grand worth of stuff on there that they managed to make disappear like magic. My credit has shot up over 150 points! I cannot say enough good things about them. I even referred my coworker to them after and they sent me a $50 referral check back! If you're looking to clean up your credit, don't wait, call these superstars and get on your way to feeling confident about your credit again. I feel like a huge weight has been lifted off my shoulders and I'm so grateful. Thank you fix your credit!!!
I worked with Mia and Said for over a year, I believe. They were beneficial and responsive. Although we were not successful with all of my accounts, they still helped me raise my credit by about 100 points. So I stand satisfied. I recommend them. Not to mention there prices are very competitive. Thank you all.
I called this place about 3 months when I decided it was time to fix my credit. I spoke with Mia, she walked me thought the whole process in a 5 minute phone conversation. It was simple enough so I decided to pull the trigger and signed up. Its only been 3 months and already they have removed negative items and improved my score significantly. I strongly recommend to give them a call as soon as possible, I waited too long and I wish I would have called sooner. I will update in a few months with the final results.
These guys are legit and professional at what they do and very quick as well very responsive and knowledgeable and they will do everything they can on your behalf
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