Lost your password?

How to Use This Guide

Whether you have a perfect credit score or just declared bankruptcy, there is something in this guide for you.

We’ve read through thousands of pages of fine print on how the credit bureaus calculate your score to bring you the ten best ways to improve your credit rating.

We have ordered each step from easiest to hardest so everyone can get started making a dent in their debt and working towards a better financial future.

Just like overdue debt can lead to a snowball effect of spiraling interest costs, small decreases in what you owe and small increases in your credit score can make a big financial difference in your life.

If you have a score under 650, start at #1 and work your way up to #10 over time.

INFOGRAPHIC SCREEN READER VERSION (CLICK TO OPEN) +

Easier Ways to Improve Your Credit Score

1. Check your credit report and make sure there are not any errors. Get a free report at AnnualCreditReport.com.
2. Spend at least $10 on one card each month and pay it off in full.
3. Don’t open more than 1 new card a year.
4. Pay at least the minimum balance every month.
5. Pay off the minimum balance plus as much extra as you possibly can (As long as you have enough cash to make the minimum payment the following month).
6. Make sure you never borrow more money than you can realistically pay back in 60 days.
7. Make sure your credit limit is not much more than 4x what you spend in a month.

Harder Ways to Increase Your Credit Score

8. Never spend more than 30% of your total credit limit in a month.
9. If you can’t pay back the money in the next 30 days DONT SPEND IT!
10. Pay off your entire credit card balance every month.

CONGRATULATIONS!

If you are regularly following step #9 and #10 you have truly figured out how to turn the credit card system to your advantage.

Credit cards should really be a way for you to earn free rewards points, not an expensive source of debt. If you think of credit cards this way you will have truly achieved financial freedom.

The opinions provided in this article are those of the author and do not constitute investment advice. Readers should assume that the author and/or employees of Grizzle hold positions in the company or companies mentioned in the article. For more information, please see our Content Disclaimer.

About Author

Editor

Editor

Grizzle identifies the opportunities and risks for the new money paradigm.

See author's posts

Editor
Editor

Grizzle identifies the opportunities and risks for the new money paradigm.

Related Posts

10 Responses

  1. Lily Kent

    Nov 2021 my credit score was in the low 500, I couldn’t get approved for a loan to buy a home or car. I reached out to a credit specialist that I got referred to by a close friend and he removed all the negatives on my credit report and increased my score up to 700s. all my inquiries, evictions, school loan etc were removed. Feel free to reach out if you need some assist as well: Fixmycredit at WriteMe d0t com!

  2. Mary Voilet

    Life became twice as tough weeks after my surgery. Not only was my score low, I got an eviction with 2 car repossessions hence no one agreed to rent or sell to me. As much as I was totally skeptical about employing a credit specialist, that seemed to be my only option. Working with ”boostmycredit @ fastservIce dot com” goes beyond fixing credit but they also made my first home purchase a smooth process. Great team!!

  3. Joe Hills

    I FINALLY GOT THE HOUSE :). Last month I was reading an article on CK and I came across a comment about a credit fixer and how they helped people get their lives back. My credit was 486 and I had negatives. However, I contacted CREDITSAVVY that was recommended on the group via their émail CREDITSAVVY at CONSULTANT . COM. We reached an agreement and in few weeks, my credit was good again, he removed bankruptcy, verified the changes with 3 credit bureaus. I’m in the 700s and I have some positives right now, I never knew that life could turn out this way for me.Recommending him is my little way of showing gratitude.

  4. Ginger Bidgood

    I am Ginger Bidgood  live in Florida and I am a happy woman today. I told myself that any credit specialist that could change my Life and that of my family by fixing our credit report, I will recommend their services to the world, perhaps this review.  If you are in need of a credit repair, DUI fix and chex system I will encourage you to reach out to XAPCREDITSOLUTION at GMAIL dot COM. He raised my score to 810 from low 560 and removed all collections and charge offs from my report. Words alone can’t express how grateful I am to XAP. I highly recommend XAP to everyone.

  5. Carolyn Perkins

    “CLEVERCREDITFIX1 AT GMAIL DOT COM” is just too professional at what he does. My score was raised from 540 to 780 in less than 4 days. All derogatory were removed as well as the DUI fix and Chex system that messed up my credit score. Clever Credit didn’t stop at that, he also removed the collections, repossession and charge offs from my report. I thought it was a joke until I pulled my report from the bank and saw the new changes he made. I was approved of a car loan and got qualified for a mortgage loan after this repair. I strongly recommend Clever Credit Fix to everyone in need of credit repair.

  6. Michelle Ford

    We are happy with our credit score, it’s finally up. This is made possible through the help of “XAPCREDITSOLUTION AT GMAIL DOT COM”. My credit report and that of my husband was so bad that we couldn’t get approval for an FHA loan and other things we applied, I had chex system, collections, medical bills, loans and credit cards debts but few days after I contacted XAP and paid for his service all these were erased, debts cleared and my score raised to 810. I got qualified for an FHA loan and my credit card limit has increased so much. I can’t thank XAP enough and I recommend you write to him asap for your credit repair.

  7. Sandra Miley

    XAPCreditSolution At Gmail Dot Com came highly recommended and I was impressed by the way he got my credit fixed and erased the debts I had. He didn’t stop at that, XAP also increased my credit cards limits and removed the chex system, eviction and bankruptcy from my report. I now have a perfect credit report and I strongly recommend you contact XAP for your credit fix.

  8. Cody Justice

    XAPCREDITSOLUTION AT GMAIL DOT COM exceeded my expectations. I never believed my credit score can improve up to 780 in less than 7days. Oh wow… I am amazed by this and I can’t keep this to myself other than to recommend XAP to the world. For anyone who needs a credit repair specialist to erase negative items, hard inquiries, eviction, late payments, loans, medical debts, credit cards and what have you should do well to reach out to them asap and thank me later. Gracias!

  9. thomas leandro trossard

    All of these swindlers would leave their enterprises within a few months, leaving the poor investors out of money.
    Many investors have lost money as a result of cryptocurrency scams, which include fraudulent investment websites, binary options, and forex brokers.
    I’ve been in communication with claimpayback.com authorities since reading this letter, and I can tell they’re doing an excellent job.
    I was able to extract the first half of $766k from the outsourcing wallet. I’ve set aside 44 BTC for the Etf on Coinbase.
    I’ll have to disconnect the rest once the Ethereum gas cost is received. If you are a victim of a fraud, immediately open a case with their 24/7 assistance on Telegram + 1 646 948 8125.