HOW TO GET AN 800 CREDIT SCORE IN 30 DAYS!
How Can I Raise My Credit Score 100 Points in 30 Days?
Having a good credit score is essential to getting the best interest rates, loan offers, and credit cards. It can be frustrating if your credit score isn’t where you want it to be, but the good news is that there are steps you can take to raise your score quickly. With the right strategy, it’s possible to raise your credit score by 100 points in 30 days.
The first step is to check your credit score. While the most accurate scores are available only from the three major credit bureaus, Experian, Equifax, and TransUnion, you can get a free credit score from a variety of different sources. It’s important to make sure that the score you get is up to date and accurate. Once you have your credit score, you can start to work on improving it.
The biggest impact on your credit score is your payment history. Make sure to pay all your bills on time and in full. Even one late payment can cause your score to drop significantly. If you’ve already missed payments, you can try to negotiate with your creditors to have them removed from your credit report.
Another important factor is the amount of debt you have. To raise your credit score, you need to reduce the amount of debt you’re carrying. This means making more payments each month and paying off debt as quickly as possible. Try to pay off the debt with the highest interest rate first, as this will save you money in the long run.
If you don’t have any debt, you can still raise your credit score by taking steps to increase the amount of credit you have available. This means applying for more credit cards, or increasing the limits on your existing cards. Just make sure to use them responsibly, as charging too much can have a negative effect on your score.
It’s also important to make sure that there aren’t any mistakes on your credit report. Errors can lead to lower scores, so check your report regularly and dispute any errors you find.
Finally, try to keep your credit utilization ratio low. This means that you shouldn’t be using more than 30% of your available credit. This shows lenders that you’re not relying too heavily on credit and that you’re financially responsible.
By following these steps, you can raise your credit score by 100 points in 30 days. It’s important to be patient and disciplined, and to remember that improving your credit score takes time.
Key Points:
1. Check your credit score and make sure it’s accurate.
2. Pay all your bills on time and in full.
3. Reduce the amount of debt you’re carrying.
4. Increase the amount of credit you have available.
5. Dispute any errors on your credit report.
6. Keep your credit utilization ratio low.
People Also Ask:
Q: What is a good credit score?
A: A good credit score is generally considered to be anything above 670.
Q: How often should I check my credit score?
A: You should check your credit score at least once a year, or more often if you’re planning to apply for a loan or credit card.
Q: What can I do if my credit score is low?
A: If your credit score is low, you should focus on paying down your debt, making all payments on time, and disputing any errors on your credit report.
How can I raise my credit score 100 points in 30 days? – Best Deal Right Now?
In this video, I am telling you EXACTLY how to increase your credit score FAST and get a perfect 800 credit score. I’ll take you step by step through the most important things for you to do today in order to raise your credit score quickly. Make sure you watch until the end, as these steps will guarantee to raise your credit score (by as much as hundreds of points).
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Working in real estate and the mortgage business, I know first hand how important it is to have a high credit score. Seriously, I have seen people waste tens of thousands of dollars because they could not get approved for traditional financing or they got a bad interest rate on a loan.
Your credit score determines your financial future and it is one of the most important “numbers” in your life.
1. The authorized user hack: We’ll talk about how you can add yourself to another person’s credit card and piggyback off their credit history. This will be an instant boost to your score, and I’ll show you the steps to do it.
2. Credit report disputes: it is so important to dispute mistakes on your credit report. I’ll show you how you can get your free credit report online (during the pandemic you can request a free credit report every single week through Equifax, Experian, and TransUnion). 25% of reports have errors so this step is crucial and can increase your score by hundreds of points.
3. Utilization ratio: We’ll go over what this number is and why lenders care about it. It’s basically your total credit usage divided by total credit limit. Having a low number here will deem you as less risky of a borrower. I’ll show you some quick tricks to instantly raise your credit limit.
4. Applying for credit (short term solution): the effects of hard credit pulls on your credit score and how you can use this knowledge to your advantage!
5. Experian boost: how to use this free program to instantly boost your credit score. They factor in your utility and phone payments and for most people, this will boost your score an average of 13 points!
6. Auto pay: perhaps the most important one on this list (at least this will help you not make any late payments EVER). I’ll show you how to set up auto pay so that your bills are paid automatically and there is no chance you’ll forget. Most people with damaged credit actually missed a payment on accident, so this trick will eliminate that.
Get your free credit report:
www.annualcreditreport.com
If you guys follow these steps, your credit will increase dramatically and you’ll be at 800 in no time!
Start early, invest, build up your score, and good opportunities will come. I hope you use this information to your advantage! This video will show you how to repair your credit score yourself in 2020.
If you found this video helpful, please share it with a friend. And LIKE and SUBSCRIBE for more educational videos just like this. I make a ton of content about investing, personal finance, and entrepreneurship. Get out there and live your best and most financially successful life!!!
-Charlie
My recording equipment and favorite books:
https://www.amazon.com/shop/charliechang
#CreditScore #800 #HowTo
Disclaimer: Some of the links above may be affiliate links, which means that if you click on them I may receive a small commission. The commission is paid by the retailers, at no cost to you, and this helps to support our channel and keep our videos free. Thank you!
In addition, I am not a financial advisor. Charlie Chang does not provide tax, legal or accounting advice. The ideas presented in this video are for entertainment purposes only. Please do your own due diligence before making any financial decisions.
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