How to improve your credit score by 100 points in 30 days

BY The Lenders Network

If you search online for ways to improve your credit you will see the same suggestions. Where’s the creativity?

If you have bad credit, you can increase your score significantly in just 30 days. How do I know?

Because I’ve not only done it myself for my credit. I have personally helped hundreds of homebuyers improve their credit scores so they could get approved for a mortgage.

And I did it in 30 days.

In this article I will explain some of the things I did to improve credit scores by as much as 100 points in 30 days. By the end of this article you will know everything you need to increase your score too.

8 things you can do now to increase your credit score in 30 days

8 things you can do to increase your credit score in 30 days


Yes, you can improve your credit score fast. Just follow these steps and see your credit score increase by up to 100 points in 30 days. These methods have been tested with some consumers increasing their score by over 100 points in 30 days. It is not unusual to see a 600 credit score jump to a 700 credit score, I’ve seen this happen before. I would not go in expecting a 100 point increase in your score, an increase in the double digits is certainly feasible.

Get a copy of your credit report

Before you start working on your credit, you need your credit report of course. You can get your credit report and FICO score for free from Credit Sesame and Credit Karma. Print off each credit report from all three credit reporting bureaus. You don’t have to print it out, it just makes it easier to get a visual image of your credit profile.

Identify the negative accounts

Now that you have your credit report, go through it and highlight accounts with a negative status. You will also need to highlight any late payments and credit inquiries. Make sure your personal information is correct, including your address, employer and phone number.

Pay off your credit card balances

If you have any active credit cards you need to pay the balance down to zero, or as close to zero as you can. Some “experts” advise people to pay their balances down to 15% and not any lower. The reason for this they is because if you have zero balances it shows you have a lot of available credit and that makes you more of a risk. However, this makes absolutely no sense, there is no point where a lower balance goes from helping your credit score to hurting your credit score, complete nonsense.  Pay them down to zero if you can.

Contact the collection agencies

If you have collection accounts with small balances on them, or balances you don’t mind paying you should call the collection agency. Tell them you wish to do a pay for delete. A pay for delete, is just what it sounds like, you pay the amount owed and they remove the negative account from your credit report entirely. Make sure you write down the persons name and extension you spoke with.

You also need “pay for delete” letters in writing from the collection agency showing they agree to remove the account from your report completely if you pay the agreed upon amount. In some cases you can settle the account for less than you owe, but many will want you to pay in full if they are deleting it from your report.

If a collection agency will not complete remove the account from your credit report, don’t pay it!

A collection account is a collection account, it affects your credit score the same regardless if it has a zero balance, or a $20,000 balance. Don’t pay collection accounts without a “pay for delete” letter. If a creditor says they will report it as paid, don’t pay anything, it won’t improve your credit score. Beware, these collection agencies can be sneaky with their wording, they may tell you the account will now show paid as agreed, or it will help your credit to pay it. Do not listen to them.

It doesn’t help your score to have a bunch of collections that show a zero balance. If they will not remove the account from your report like it was never there in the first place, move on to the next step.

Dispute every negative item on your credit report

Remember the credit bureau has 30 days from the date they receive your dispute request to complete their investigation. If the creditor cannot verify the accuracy of the account, late payment, balance or whatever you disputed, then they will delete that item.

I have seen people get 10-15 accounts removed in 30 days just by disputing them. Of course, these people had many negative items on their report so a large number of accounts being deleted is not unusual. This is help improve your credit score significantly. Sometimes the credit bureau will not remove anything you dispute, that is okay too.

How to dispute collection accounts on your report

There are three ways to dispute items on your credit report and all 3 work equally as good.

  • Online – TransUnion, Equifax and Experian all allow credit disputes to be filed online. You just need to create an account with each credit bureau’s website to get started. Once you have an account you will be able to view your report and dispute any negative items online.
  • By phone – You can call each credit bureau and speak to a live person. Make sure you have your highlighted credit report with you. Just go through each negative item and let them know you would like to dispute it.
  • By mail – You can also send a letter to each credit bureau disputing the items on your report. The downside to this method is the mail time it takes to send and receive your investigation results by mail. Here are some sample dispute letters you can send to the credit bureaus.

Credit Bureaus Dispute Information

TransUnion LLC
Consumer Dispute Center
P.O. Box 2000
Chester, PA 19016

Tips for filing a Transunion dispute


Phone: 800-916-8800 – 8am-11pm EST

Experian Dispute
P.O. Box 4500
Allen, TX 75013

Tips for filing an  Experian dispute


Phone: (714) 830-7000

Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374

Tips for disputing your Equifax credit report


Phone: (800) 846-5279

You can Dispute Credit Inquires on your Report

Hard inquiries stay on your credit report for 24 months. They will affect your credit score for 12 months. But, you can dispute hard inquires on your credit report and have them removed. Call the credit bureaus to dispute inquiries, the creditor has to verify you authorized them to pull your credit. Inquires aren’t often removed but I have seen a couple removed from credit reports before so it’s worth a shot.

Get added as an authorized user

An authorized user means you are authorized to use the account. Authorized users can have their own card with their name on it to make purchases. However, authorized users are not the primary account holder, authorized users are liable if the account goes to default. Authorized users also reap the benefits of a positive account with good payment history.

Most likely someone that is willing to add you on as an authorized will not want you to have a card, and that’s okay. You do not want any access to the credit at all, you’re simply using the authorized user status to add a positive account to your report. Make sure the account you are being added onto is in good standing. No late payments, low balance, and the longer it has been open the better. Once the creditor reports your new status on the account, the entire account information will appear on your report.

This can improve your credit score by several points, and help build credit for those with no credit score. Make sure you ask financial responsible people you know well to add you on as an authorized user, it can be very beneficial is raising your credit score fast.

How your FICO credit scores are calculated

how hard inquiries affect your credit score

Your FICO credit score is calculated using an algorithm created by FICO.

Payment History – 35% – Payment history includes on time payments, late payments, account status and collection accounts. Late payments negatively affect your score for 36 months.

Amount of Debt – 30% – The total amount of debt you have includes car loans, mortgages, credit card balances, and any other loan. Collection accounts that have been charged off aren’t included.

Length of credit history – 15% – This includes the average age of your current open accounts. If you have a bunch of accounts you recently opened it will shorten your average account age and lower your score. Keep revolving accounts such as credit cards and lines of credit open for as long as possible.

New Accounts – 10% – This is made of credit inquires and recently open credit accounts. The more credit inquires you have in the last 24 months the lower your score will be. The good news is that after 24 months the inquiry drops off your report and no longer affects your FICO credit score.

Account mix – 10% – The different types of credit accounts you have has an impact on your score. It is not good to have 5 credit cards open and nothing else. If you have credit cards, a car loan, and a mortgage it shows diversity.

“Rate shopping”

Multiple inquires when you are looking to buy a car or get a mortgage will count as a single inquiry. This is known as “Rate Shopping” a grace period for consumers to apply with multiple lenders to get the best rate. If you are looking to buy a car and go to a hundred dealerships and have your credit pulled, it will only count as a single inquiry as long as it is done over 14 days. The rate shopping period for Mortgage credit pulls is 30 days.

How to improve your credit score in 30 days summary

tips to improve your credit score

I hope you find these techniques helpful and they work for you as they have for many others.

  • Step 1. Get a copy of your credit report
  • Step 2. Identify the negative accounts
  • Step 3. Pay off credit card balances
  • Step 4. Contact collection agencies
  • Step 5. If a collection agency will not remove the account from your credit report, don’t pay it!
  • Step 6. Dispute every negative item on your report
  • Step 7. Dispute credit inquires
  • Step 8. Get added as an authorized user

If you’re like many people who are concerned with increasing their credit scores, you inspire to get a mortgage soon. The Lenders Network is partnered with lenders that can accept a credit score of 580 or higher for FHA loans. You can complete this form to speak to a lender now.