Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Scores
Profile Image

Question By
Phenom1983

0 Contributions
0 People Helped
Just started paying off credit card. How can i raise my credit score faster?
I just recently started paying off my credit card debt through a collections agency. The only other unnecessary debt (meaning debt that can be paid off, not things like monthly bills) that I have is two vehicle loans which get paid on regularly and are taken directly out of my check. Is there anything I can do to get a decently quick boost to my credit score? Any help is greatly appreciated.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
166 Contributions
192 People Helped
Most Helpful Response

Quick credit score boost

Helpful to 2 out of 2 people

The quickest way I know to get a quick boost is to ask a close family member to sign you up as authorized user on their credit card (s). Don't ask them for a card just ask if they would allow you to use their good credit until you get your debt in order. Specify a time (6 months to a year). This will not have a negative affect on their credit! In thirty days you should see an immediate increase. Also educate yourself on how credit works. Education is power. I also recommend that you only use 1/3 of your credit card maxes and play your bills 7 days before the due date. If possible, pay your card balances off every month that way you'll be able to keep your credit to debt ratio/utilization score low as well as avoid paying interest to the credit card companies. I hope this helps.

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.