Developed by : Freelancing Care

5 Steps To Raise Your Credit Scores Fast in 30 Days

How do I raise my credit score quickly?

You’ve put in the hard work. You know your credit fundamentals. 

You’ve been paying your bills on time, monitoring your credit activity and ensuring that you are not applying for more credit than you can handle.

But while you are seeing some progress over time, your credit scores are rising far too slowly.

You don’t have bad credit, it is just OK, but you have a ways to go before you achieve the credit scores that will make you happy. Sound like you?

So what can you do to raise your credit scores quickly?

Here are 5 things you can do to raise your credit scores quickly, with results typically within 30 – 45 days:

1. Piggybacking on someone else’s credit. If you have a relative who is close to you that has good credit, you can ask them if you can be added to one of their credit cards as an authorized user.

It is better to be directly related to that person (spouse, parent or child), but you don’t necessarily have to be. The three credit bureaus may not report if you are not a legitimate authorized user in some cases, but if you have permission, it should be okay. Why the potential issue? See #2.

2. Renting tradelines. While I am not necessarily recommending this technique due to the potentially unethical nature of renting tradelines, I believe we all should know what options are available to us, no matter how bad they are. You might not do it if you know what someone else has at stake.

I am sure you have heard of individuals with bad credit paying anywhere from $800 – $1500 and suddenly coming away with excellent credit.  How do they do it?

Identity theft is rampant in our society. It is one of the fastest growing crimes in America, with millions of identities stolen per year.  

So what about credit card theft? Millions of credit cards have RFID chips and allow you to swipe your card with only a tap to the reader for speed and convenience.

This video by ABC News: Nightline shows credit card skimming – theft that occurs in the blink of an eye using a credit card machine to steal your credit card information (that any person can purchase from eBay, by the way) in broad daylight, surrounded by other people, or even in your gas pump.

With this in mind, you can “rent a tradeline” by paying to become an authorized user on a stranger’s credit cardusually just before they close it – and long enough to get excellent credit by being an authorized user on their card.

Sound crazy? It’s true. 

Most people don’t know that their identity has been stolen for 4 months after it has happened.

If you have been a victim of credit card theft, I have some great tips for how you can protect yourself in another one of my posts.

If you are still interested in renting tradelines, because it is possible that someone with excellent credit is renting their impeccably good name out to people with terrible credit (just highly unlikely), you can find out more on renting tradelines by doing a simple search online. (I won’t encourage that you do it by posting it here).

3. 2% Utilization. How low can you go? Many of us get credit cards with the purpose of spending, but if you get a credit card with the purpose of boosting your score, you want as little spending as possible.

How about keeping your bill at around $10 each month? I know, you’re probably saying that you’re already making minimum monthly payments, but this isn’t the same thing. Keeping your utilization low by paying off your entire balance each month may boost your credit scores by 100 points in 6 months. Utilization, on time payments, and age of credit history are the top three factors that effect your credit scores most. 

4. Diversify the types of credit that you use. Different credit types in your credit profile will help you to create a portfolio, and the better your portfolio looks, the higher your credit score will be.  

Some examples of different credit types are auto loans, mortgages, furniture financing, secured or unsecured credit cards, and secured or unsecured loans.

5. Get a loan. There are two types of loans: Secured and Unsecured.

A secured personal loan is a great choice to help you boost your credit score even further. 

Unsecured loans are what most people apply for. Unsecured credit cards require application and fees as well. The bank puts up all of the risk and provides a line of credit for you to use after you apply and they determine you are qualified by your FICO score and possibly income factors. There can be fees associated with using an unsecured loan that are explained to you when you apply. If you don’t pay the loan back, they have to cover all of the costs of not getting their money back.

Secured loans are established when you tell the bank that you’re willing to absorb all of the risk for a line of credit. Secured credit cards function similarly. What does that mean? You use cash, your car or something else of value to secure your line of credit so that they can get their money back if you don’t pay. You can create a secured loan for as little as $300 in most cases, so check with your local bank or credit union.

Using these techniques will guarantee higher credit scores in the next 30 – 90 days without as long of a wait as it would take for you just to pay your bills on time over the next 6 months with minimal credit accounts.

What techniques have YOU used to raise your credit scores quickly? Tell me in the comments below.

If you are interested in starting the approval process off with raising your credit scores for free, I invite you to take my free, four-part, Dispute Letter Mastery Course.

In this course, you will learn how to update your personal information, dispute information that has errors, and delete negative information in order to raise your credit scores 50 – 75 points in only 45 – 60 days. A boost like this can really make a difference in your interest rates, and it is all free.



  1. It’s a great article, very detailed and easy to read. I think the best way to be succesfull with aricles and posts is to write them simple as you can. And another thing bulk article content is realy hard to get thorught if your serching the quick answer. All GREAT IDEAS IS SIMPLE!

    • Hello Roberts,

      Thank you for your comment and feedback on my article. You’re right – writing conversationally and simply is a great way to keep the attention of your readers. I also hope that the content is valuable and addressed in a way that will draw the attention of individuals seeking a plan and strategy with their credit.

      Thanks again! :)


  2. I currently have built my credit by establishing a couple of different credit types myself such as financing furniture no interest, getting an unsecured loan, and etc. I’m not cool with the renting tradeline at all. I have heard folks who use this technique, but personally the thought of it scares me. Thanks for sharing these valuable tips for raising your credit score quicker.

    • Hello Ira,

      Thank you for commenting on my article. It’s great to see that you have used these techniques and know they work. I don’t advocate renting tradelines because I believe there are better ways to increase your credit score quickly that don’t cost as much ethically or financially. I have come across many people seeking to use these techniques but I always turn them away. They are not looking for good habits, just quick fixes. Thanks again for your post!


  3. Hi Tamara,
    You taught me a few things in your article. I had no idea that it was possible to improve your credit score by being added to a relative’s credit card, but I suppose it’s logical. Renting tradelines is something I would never consider and I am amazed that the information is available online.
    The other methods are more common sense. I did know that paying off your credit card debt each month is good for your rating and a secured loan is obviously better than an unsecured loan.
    I was a little surprised that diversifying your type of credit might help, but I suppose this shows you can manage all these different credits.
    I have also read that if you have a credit card and don’t use it, this can hurt your credit score, but I don’t know if this is true.
    Thanks for an interesting post,

    • Hello Peter,

      Thank you for helping to give validity to the techniques I described with your own experiences. If you think of your credit profile as a portfolio of credit types you work with, your portfolio is either diverse, specialized or immature. The more types of credit you manage, the more diverse your credit profile is.

      I am glad that I provided information you didn’t know. That is what I am hoping to achieve most – to provide information that is not mainstream to give you a better picture of how to care for your credit.

      If you have a credit card and don’t use it, then it isn’t providing a history which is a major part of how your credit scores are built. If you keep a credit card for emergencies, it is better for you to create an emergency fund instead of using your credit card. The utilization on the card may be very high because it is used in large quantities for an emergency instead of using the fund to take care of larger sums instead. It is better to make a $10 purchase each month and pay it off than to make a $3,000 purchase once every 3 – 6 months.

      I hope this helps with your future credit planning.

      Take care,


Leave a Reply

Your email address will not be published. Required fields are marked *



You may use these HTML tags and attributes: <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <s> <strike> <strong>