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There are many nuances associated with obtaining an excellent credit rating. Different computing companies calculate scores in different ways. Certain tradelines can affect your report negatively or positively, and paying the monthly payment on your personal cards is crucial.  With the recent dip in the economy, many people have been reminded that it is important to maintain a healthy credit score. If your history is problematic, don’t panic. There are several steps you can take to strengthen your rating quickly. It typically takes a few months for new behaviors to impact your score.  In this article, we will outline a variety of ways that you can take your credit score to the next level.

Tip 1: Always Pay Off Your Personal Cards, Promptly

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One of the most important factors that determines your credit rating is your payment history. Your payment history could account for up to 65% of your overall rating. It is crucial that you always make your card payments on time! If you struggle to remember your card payment, consider setting up automatic payments so that you never have to worry about skipping a month. When submitting your monthly payment, consider paying an amount that is higher than the minimum. Experts suggest that your balance should remain at less than 30% utilization of your credit limit. If you are struggling to figure out if your debt ratio is acceptable, use the debt calculator that has been created by NerdWallet. Many people choose not to pay down debt because they want to keep a certain amount of cash on hand.

If you are trying to boost your score quickly, it is important that you prioritize paying down debt regularly. If you experience a month in which you are struggling to pay down your debt in full, make sure that you pay at least the minimum payment due.  If you have missed payments in the past, it is important that you work diligently to pay back any of the payments that were skipped.

Tip 2: Study Your Credit Report

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Many people only glance at their overall rating without taking time to study their credit report in detail. The report associated with your score has many guidelines that will help you learn how to improve it. When checking your report, make sure that there are no mistakes. In addition, check for the elements that may be holding you back. Many computing companies will show you the areas of your report that are weaker and the ones that are stronger. Are your payments late? Do you have a high utilization rate? Do you need more seasoned tradelines? Consider using Tradeline Supply Company Review to optimize your tradelines and improve your score as suggested by

In addition to studying your report, it is important to check your account regularly for any fraudulent charges. Many people suffer massive hits to their score because they do not catch fraudulent charges when they happen. Many agencies have protection services that catch fraudulent charges quickly so that they do not negatively impact your score. By keeping track of your account, you can ensure that your history is accurately reflecting your spending behavior.

Tip 3: Hit Pause on Opening New Lines of Credit

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Every time you apply for a new card or a major loan, the bank will issue a hard check on your credit. Hard checks should be used sparingly. These checks will lower your credit score if utilized too often. If you are trying to raise your credit score quickly, ensure that there are few hard checks issued to your name. Hard checks can affect your score for up to 24 months.  Not only do they negatively affect your rating, having unnecessary credit lines increases the chances that you will spend more money and accrue more debt. If you want to enhance your rating quickly, focus on diligently making the payments on your current accounts.

Tip 4: Don’t Close Old Accounts

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Ironically, closing old accounts can damage your credit history. A percentage of your score is based on the age of your accounts. When you close old accounts, your report history does not factor in your former accounts. Having an aged account with a paid off balance shows that you have been responsible for making payments and eliminating debt over a long period of time. If you have more open accounts, your credit limit is heightened. A heightened limit allows you the ability to maintain a lower utilization rate. Some companies allow you to integrate certain bill payments into your overall credit score. If you have bills that you consistently pay on time, consider integrating them so that they can  positively impact your payment history.

Tip 5: Work With Trusted Agencies

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If you are looking to keep a better track of your credit score, there are many sites that offer free scores and reports. Many people choose to work with one of the “Big Three” agencies, which are reputable companies that offer a variety of different services. The “Big Three” is comprised of:

  • Equifax – Offers reporting, monitoring, and fraud protection services
  • Experian – Offers reports that highlight both the weak and strong components of your score
  • TransUnion – Offers reporting, monitoring, and fraud protection services

Each credit company updates your score on a weekly basis. Track your progress by checking your report each week.


In conclusion, maintaining a high credit score is crucial for many major life events such as securing a mortgage, renting a house, or buying a car. If you need to raise your rating quickly, there are a few ways to do so. It is important to have aged accounts, amazing payment history, and awareness of the factors that contribute to your numbers. There are many reputable agencies that can help you keep track of your credit score. It is important to remember that obtaining a high credit score can take a while, but by making wise decisions today, you can positively impact your report in the future.