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Increase Your Credit Score FAST

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Gotcha!  You need to improve your credit score fast and have a good payment history.  There are two critical actions you must take for a lighting-fast credit score improvement:  1) add new, positive lines of credit  2) increase your revolving credit limit.  Options 1 & 2 below will help you with both.  If you can only do one, we recommend Fingerhut because it's free to join, but try to do both if you can.  You DON'T have to wait months or years to improve your score. The strategies below work fast!

Our top picks for 

Increasing Your Credit Score in 30 Days

#1


​Credit Solution:​ Merchandise Account

​Quick video on how it works

  • Speed: 30 Days
  • Estimated Credit Impact: ​20 To 40* Points
  • Cost To Start: $0 ​

#2


​Credit Solution:  ​Authorized User Tradeline

  • Speed: 30 Days
  • Estimated Credit Impact: ​40 To 100* Points
  • Cost To Start: $150.00


​Additional top picks for 

Increasing Your Credit Score in 30-60 Days

#3


​Credit Solution:  ​Rent Reporting

​How it works in 60 seconds

  • Speed: 30 - 60 Days
  • Estimated Credit Impact: ​20 To 40* Points
  • Cost To Start: $10.00

#4


​Credit Solution:  ​Credit Builder Loan

​How it works in 60 seconds

  • Speed: 60 Days
  • Estimated Credit Impact: ​15 To 30* Points
  • Cost To Start: ​Under $8.00 

#5


​Credit Solution:  Secured Credit Card

  • Speed: 30 Days
  • Estimated Credit Impact: ​20 To 50* Points
  • Cost To Start: $200 Deposit

* All score improvements are estimates and will vary by individual.  The higher estimated credit score number is for someone with a thin credit file that is new to credit or has limited credit. The lower number is someone with a thicker credit file that has bad credit.