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?