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Top 3 Ways To Build Credit Fast

Top 3 Ways To Build Credit Fast

If you’d like to have a higher credit score than you do now, you’re in luck, as there are plenty of ways to bring your credit score up. Of course, some of these methods are much faster than others, and some may or may not work depending on what is keeping your credit score down in the first place.

However, if you’re simply looking to increase your sub-par score by 100 points, following some or all of the methods below could help!

 

Top 3 Ways To Build Credit Fast

Top 3 Ways To Build Credit Fast

Pay Your Bills On Time

One of the fastest ways to improve your credit score quickly is to pay your bills on time. One of the most impactful factors in your credit score is your payment history. A late payment could stay on your credit report for up to 7 years,

Make sure that you get in contact with your creditor as soon as possible if you end up missing a payment by more than 30 days.

You might see if you can arrange payment so that it doesn’t show up on your credit report. Even if your creditor doesn’t allow for this, it’s still good that you ended up paying to stop any other derogatory marks from showing up.

If you aren’t able to pay things off on time, it is important that you know how to prioritize your bills.

 

Dispute Credit Report Errors

You might have a simple mistake on your credit report that is pulling your score down. Calling the credit bureaus to fix the mistake could greatly improve your credit.

Check your report for mistakes each week. Once you have mistakes identified, get in contact with the credit bureau to get things fixed. A credit bureau typically has 30 days to investigate any claims and give you a response.

 

Use Tradelines

You might consider becoming an authorized user on a tradeline if you have a friend or relative with a good credit history and a high credit limit. While you don’t have access to a credit card as an authorized user, you do have access to all of the benefits of having good credit.

In just 30 days, an authorized user tradeline could boost your score to the point you want it to be at.

Of course, if you don’t have friends and family with good credit histories or high credit limits, you might consider purchasing tradelines from a reputable dealer like Personal Tradelines.

 

Take Charge Of Your Credit

The power to improve your credit score is in your hands. Being responsible and following the tips above will get you on the road to great credit.

Tradelines can be incredibly useful if you are looking to attain good credit scores earlier on in life. They can affect your ability to put a loan down on a home or car, for example.

If you are new to tradelines and you need help getting started, or just want to learn more, make sure to get in touch with us here at Personal Tradelines.