Raise Credit Score 100 Points Overnight

Raising your credit score by 100 points overnight is, in most cases, pretty unrealistic. However, it is possible to increase your credit score relatively quickly by disputing errors or derogatory claims. A poor credit score can be a major financial obstacle in your life. But credit repair services offer a fast and reliable way to improve your standing by raising your credit score quickly.‍

Can I Improve My Credit Score Instantly?

Unfortunately, “instant” credit repair services are impossible to find. This is because the process of removing derogatory or negatively impactful items from your credit report takes time. Sometimes, the process of removing claims from your credit report can take months. In other cases, disputes take only a few weeks.

However, these credit repair services do work quickly. Once a disputed claim is removed from your credit report, you usually notice an increase in your credit score within 72 hours. It’s simply the process of disputing claims that takes a long time.

What Are Credit Repair Services?

Individuals with bad credit scores can hire credit repair companies to improve their credit. Credit repair agencies, like Credit Glory, deal with creditors and credit bureaus on your behalf to remove derogatory claims and dispute reporting errors.

What Steps Can I Take To Quickly Raise My Credit Score?

You can use several different methods to raise your credit score quickly. Here are a few of the best ways to quickly increase your credit score.

Dispute All Negatives on Your Credit Report

Sometimes, mistakes slip through the cracks. You can review your own credit report for free from any of the three major credit bureaus. Whether you have a poor credit score or not, this can be a great way to raise your credit score. Results will vary, but reviewing your credit report for negative credit errors is a big first step. Once you identify errors, you can dispute them and have them removed, which will quickly raise your credit score.

Dispute Any Excess Hard Inquiries on Your Credit Report

A hard inquiry, or hard pull, is performed whenever a full credit check is needed when opening a new line of credit. Individually, these are not a big deal. But multiple hard inquiries can add up. Sometimes, hard inquiries can be reported multiple times. If this happens, you can (and should) dispute the excess inquiries to reduce their impact on your credit score.

Settle Any Open Collections Accounts

Having an open collections account is never good for your credit report. This means you are seen as owing a debt to a creditor. If you have been contacted by a debt collection agency, you should not ignore it. Settling your collections account is always better than leaving it alone. However, this does not mean you should pay off your debt if you have a dispute. Even a paid debt can linger on your credit report for up to seven years. Working with a credit repair company to dispute debt collector claims can be hugely beneficial to your credit score.

Pay Down Revolving Balances

When you open a credit card, you are given a monthly credit limit. Any unpaid credit from one month is carried over to the following month, in what’s known as a revolving balance. Using your credit, and paying down your revolving balances, is one of the best ways to improve your credit score. It does not require much additional work, and reflects very positively on your credit report. It is also simply a good way to practice responsible financial habits.

Pay Any Existing Bills On Time

Another responsible financial habit that can improve your credit score is paying your bills on time. Late payments can linger on your credit report for up to seven years. Simply eliminating late payments saves time, trouble, and money in the long run.

Become an Authorized User on a Family Member’s Card

Lastly, you can always become an authorized user on a family member’s credit card to raise your credit score. Doing this allows you to capitalize on their good credit score while rebuilding your own credit. This should not be your only plan for raising your credit score. But becoming an authorized user can help you establish your footing as you rebuild your credit.

Want to Raise Your Credit Score Fast?

If you are trying to find a legitimate way to quickly raise your credit score, Credit Glory can help. Our experts can help identify and remove any damaging errors on your credit report and settle open collections accounts. Contact us today to learn more.