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How to Improve Your Credit Score in 30 Days

How to Improve Your Credit Score in 30 Days

Your ability to get a loan or credit with good terms is based on your credit score. Without a good score, you will be limited to smaller loans, higher interest rates and shorter repayment terms. This is not what you want, especially if you are thinking of getting a car loan, taking out a mortgage, or refinancing. What you need to do is to learn how to improve your credit score. BoostMyScore can help you improve your credit score in just 30 days.

Getting a good credit score

Lenders will generally consider anything above a credit score of 700 to be in the good range. A FICO®score of 750 or higher is considered excellent and this is where you need to be to get the best credit terms. Once your credit score is at this level, you can start enjoying good interest rates and better loans.

Time to improve credit score

Once you discover that you have a low credit score and want to raise it, you have probably been told that it will take some time to do it. Normally, this is true. If you are asking how long it takes to improve your credit score, you might be surprised to learn that it can be done within just 30 days.

The credit reporting companies use a formula to determine your credit score. This formula is used by those doing a credit check on you. This credit check is always done when you apply for new credit, and for a few other purposes, such as when you apply for auto insurance or renting an appartment. The one thing that will most affect your score is a history of late payments. Making just one late payment can lower your score by more than 60 points – and possibly by 100 points.

Another factor that lowers your credit score is how much debt you have in relation to how much credit you possess. Your income does not have anything to do with it. You could have a lot of income and still have a poor credit score. Lenders like to see a debt-to-credit ratio of 30% or less.

Do-it-yourself credit repair

Normally, raising your credit score can take a long time. Given the 30% or less ratio that lenders want to see, reducing your overall credit debt to that level could take years. Another consideration is the length of time you have had each credit account. Getting new credit will not help your score much because credit needs to have been established for some time to be beneficial. This means waiting longer to increase your score.

Another method often used to attempt to raise a credit score is to fix negative items in your credit report. Derogatory remarks can stay on your credit report for 7 to 10 years. You do want to eliminate them when you can, but it will still take a while to raise your score on your own.

Our method

At BoostMyScore, we know how to increase credit score in 30 days and we use tradelines to do it. A tradeline is an account that reports on your credit report. It can be a credit card, a car loan, or a mortgage. The credit report companies note how well you manage your tradelines as the most important thing in your credit score.

Adding a pristine credit tradeline from our tradeline supply company could provide a potential boost to your credit score. Adding more than one tradeline to your credit report increases the likelihood of that potential boost. You could also get a bigger boost from tradelines that have higher credit limits and longer histories.

One more thing that will help you is if you only have a few credit cards. Putting our tradelines on your credit report when you only have a few credit cards can enhance the impact of each tradeline on your score. We regularly use these methods to help our clients how to boost their credit score in just 30 days.

Online tradeline tool

At BoostMyScore, we now have an online tool called the credit tradelines simulator, that will show you what kind of results you might expect before you make your purchase. It will enable you to select the number of tradelines you want, the age of the tradeline and the credit limits. Once those elements have been adjusted, you will get an estimate of how much it will boost your credit.  Then breeze through the questionnaire to have the tool provide you a customized list of tradelines to select from.  Quick and easy!

Change your credit score starting today

You no longer need to settle for a low credit score. Utilizing the piggybacking tradeline method allows you to boost your credit score in 30 days. Why do it the slow way when you can boost your score in just 30 days or less? Make the change today that will enable you to get better terms on loans, credit cards, or a mortgage.

When you are ready to learn how to improve credit score, you need to check out our website and learn about piggybacking tradelines. BoostMyScore has been in business for over 12 years, has Better Business Bureau accreditation, and hundreds of satisfied customers. We are also glad to offer a money-back guarantee. Contact us today at 1-800-531-1472.

Bill Airy

About the Author:

Bill Airy is the CEO and Founder of BoostMyScore. For over 12 years he has helped American consumers get a second chance at a better financial life by helping them to improve their credit score. He regularly publishes helpful content on this Blog to educate others about Credit Scores and best practices when trying to improve them.

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BoostMyScore Team