Credit Score Improving Your Score

8 Fastest Fixes to Repair a Bad Credit Score

But you are not going to skip out on paying. If you do this, make it a new beginning for credit and always make 100% on-time payments.

8. Become an Authorized User

Most credit card accounts allow adding new credit card users to the account. If you have a parent or relative with excellent credit that trusts you, they can add you as a user to their account, which will add that credit account’s payment history to your credit report.

Note that some card issuers do not report for authorized users, and some lenders remove authorized user accounts from consideration when reviewing your creditworthiness.

However, in many cases, getting authorized user status will help pump up your credit score and credit report. Your results may vary.

Good Credit is a Marathon, Not a Sprint

These are all techniques that can raise your credit score in the short-term, but there are many long-term factors as well. A true credit score fix won’t happen overnight, and can take years of on-time payments and perfect borrower behavior.

If you keep to making on-time payments and keep your balances low, you’ll be on track to better credit without doing any extra work.

How are you working to fix your bad credit?

About the author

Eric Rosenberg

Eric Rosenberg

Eric Rosenberg is a finance, travel, and technology writer originally from Denver, Colorado living in Ventura, California. When away from the keyboard, Eric he enjoys exploring the world, flying small airplanes, discovering new craft beers, and spending time with his wife and baby girl. You can connect with him at his own finance blog Personal Profitability.

19 Comments

  • Lexington law is the most useless company I have ever had the displeasure of working with, i couldn’t recommend them to my worst enemy ,, yes they send letters to creditors but at least for me,, they were not truthful letters. I had them 8 months and have accomplished far more in 2 months by myself then they ever have

  • I had a score of 500 Within 1 year I have a score of 750 But there keeps popping up a medical bill which gets disputed and they change there name and pop up again and down goes my score I don’t know how to hande this

  • Unfortunately I’m pretty sure if people with bad credit had been doing all these things in the first place, they wouldn’t be dealing with bad credit now. But I suppose it’s never too late to change your ways.

    • Some people didn’t have the tools or knowledge to know they were getting themselves in trouble. Not for you to judge. This is a crap comment.

      • We agree, Tracey! Not everyone is born with the tools to take care of their credit, and not everyone has someone who will teach them. That’s why we came up with The Credit Solution Program in the first place 🙂

    • Jimmy, your comment proves your youth and ignorance! Cancer, job loss, critical illness (heart, Parkinsons, etc. . . ), car accidents, businesses closing, lawsuits, death, bad banks that the government bails out and not the people they affected and things you don’t even see coming can affect your credit scores. You can have all the tools in the world, but when life throws you a complete curveball with something completely out of your control, family, not money, comes first. You can rebuild credit, you can’t rebuild corruption and death.

  • I am a California Resident who sign up with the Credit Pros in October of 2016, I am having problem with them, When i was first contacted by Elizabeth a company sales Person for the consultation i was told that they will work on the three Credit Reporting Bureaus,

    I never receive in any of the 4 Months that i am with them three report, The only Report that i am somewhat pleased with is Transunion,
    Experian and Equirfax in the last four Months i received two reports from each and nothing has been done on the reports,
    how every my credit card was charge $99.99 each month plus when i had the consultation on what to expect from the company i was charge $99.99 and was told that they will work on all three credit reporting Bureaus each month,

    When i complain last month i was told that they can not grantee the credit reporting bureaus action mainly Experian.

    • Hi Nellie,
      Have you considered our Credit Solution Program? You can improve your credit score on your own by using the process discussed in our program (which you can access here), or by calling a company like CreditPros (at 855-980-4898) and getting their help to bring your score up. Best of luck!

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