How to Raise Your Credit Score 100 Points

May 10, 2021 | Daniel Dewitt

 how to raise your credit score 100 points

Having new or bad credit can really be a drag. The scoring system seems to be out to get you, but with a few tips, you can raise your credit score 100 points with a little effort and some patience. Today we will talk about how to raise your credit score 100 points so that you can be on your way to a stronger and better credit rating.

Let’s see what experts like Experian advise!

Best Credit Score Expert Tips

Start Auto Bill Pay

Wondering how to raise your credit score 100 points? Auto bill pay is a good option. Paying your bills automatically helps to ensure that all your payments are on time. After a while, you almost don’t notice it. All that is left in your account is what you can budget because you’ve got the biggest responsibilities taken care of.

Setup Payment Plans for Current Debt

Another way how to raise your credit score 100 points is the least fun on our list. You’re going to have to make payment plans for your existing debts. This requires contacting whoever owns them currently and setting up a payment schedule.

It’s tedious, but those debts aren’t going to go away on their own. The sooner that you start showing that you are ready and willing to pay them off, the faster your credit will rise. It is just this straightforward.

Don't Apply for Credit Cards You Don't Need

Another great piece of advice for how to raise your credit score by 100 points is to stop applying for credit cards that you don’t need. While the idea of having some plastic currency is appealing, it’s also dangerous for your credit.

First off, whenever you apply, your credit gets checked and this has an impact of its own. Secondly, if you do get that fancy new card, the interest rate can get you in a lot of trouble. While they are nice to have, until you tackle some of your outstanding debt and fix your credit rating by setting up auto bill pay and payment plans, getting a new credit card is just too risky and will definitely stand in your way of finding how to raise your credit score 100 points.

become an authorized user on a family member's credit card

Become An Authorized User of Someone’s Credit Card

Another great and quick option for how to raise your credit score 100 points is to become an authorized user on a family member’s card account, provided that this family member has a good credit score. After you’ve started paying off some of your debts, find a close family member and ask them for this favor.

When they see that you are really trying to fix your credit, they are likely to be more willing to offer help.

Review And Dispute Your Credit Inaccuracies

One of the most effective methods for how to raise your credit score 100 points is to review and dispute inaccuracies in a timely manner. Believe it or not, not all of the debt that you are getting chased for is necessarily yours.

Every year you should request a copy of your credit report from the 3 main credit agencies. They are:

  • Equifax
  • Experian
  • Transunion

Many online services can help you in this or you can simply contact these agencies directly. Go through the reports that you receive and contact each agency individually to dispute any items on your credit report that you feel are inaccurate. You might be surprised to find your real debt to be lower than you expected!

get a payday loan with no negative credit effect

How Can I Get Emergency Cash Without Reducing My Score?

Emergencies can and do happen every now and then, and sometimes you find yourself in need of cash TODAY. When you find yourself in this situation, you can try to avoid taking a bank loan by considering a payday loan, which will help you maintain your work as you try to find how to raise your credit score 100 points.

A payday loan is a loan that can quickly help when you absolutely need help. So, what is a payday loan? It’s just a quick loan that you can get for emergencies and need some quick relief.

Basically, it’s a way to access money that you’ve already made early!

How to Request A Payday Loan

So, how does one apply for a payday loan? With Fast Payday Loans Florida, the process is quite easy. You can borrow up to $1000 even if you have bad credit or no credit, all applications are considered. In order to apply, you’ll start by getting the following items ready:

  • Your driver’s license or state-issued ID.
  • A copy of the most recent pay stub from your job.
  • A blank check from your valid checking account in your name.

You must be 18 years or older to use a payday loan as an emergency cash solution. But if you are, then the rest is easy.

Don’t Let Bank Loans Ruin Your Credit, Apply for A Payday Loan

The best thing about payday loans is that they are not reported to any of the credit bureaus. The payday loan stays between you and the lender, making them a great answer for how to raise your credit score 100 points. On top of this, the process can sometimes be completed in as little as 30 minutes and if approved, you can get your cash the same day!

So, keep chipping away at your credit to improve those scores but just know that Fast Payday Loans Florida is going to be there when you need them.

You can count on it! Head over to Fast Payday Loans Florida to fill out your online form and within minutes it will be reviewed by a loan representative who will schedule an appointment to meet at the Fast Payday Loans Florida location near you.