7 Shocking Ways to Boost Your Credit Score Overnight

The Importance of Credit Score

[{"selector":"#anim-2608fa42-bbec-4bd2-8f45-60fddbedc445","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] A good credit score opens doors to loans, lower rates, housing, insurance savings, job opportunities, and essential utilities.

Pay Off High-Interest Debt

[{"selector":"#anim-f5441236-6dec-4825-80c3-9cbd6a65c8cf","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5dadb4b4-2a4f-4840-b7fd-52b0bfeb0bac","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-965f2c1c-b439-43bd-99be-73547159b545","keyframes":{"transform":["translate3d(122.53521%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Prioritize paying off high-interest debts first to lower your credit utilization ratio.

Increase Credit Limits

[{"selector":"#anim-cd1667ae-2092-4cd8-b20d-82fdf9b7b2d9","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bb2262b6-aeed-40af-9a49-d5e9248c0df4","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2580dc67-9867-487d-b6f5-54baf1863c83","keyframes":{"transform":["translate3d(122.53521%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Request a credit limit increase on your existing cards to improve your credit utilization ratio.

Become an Authorized User

[{"selector":"#anim-e2f6c814-9ab0-4b73-8bf6-2db145452aa3","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3a357a2f-9fbf-440b-8240-f4d10cd9538a","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-37683701-bb0e-405b-aa59-e7cee57eded0","keyframes":{"transform":["translate3d(122.53521%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Ask to be added as an authorized user on a family member or friend's credit card with a good payment history.

Negotiate with Creditors

[{"selector":"#anim-658a51c4-7510-4e35-a6a5-96e68a6780e2","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a2836889-2f90-4585-8292-e0ae301acd6f","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d8fe9c9a-4f12-4a38-ac40-f1ef83c31ee8","keyframes":{"transform":["translate3d(122.53521%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Negotiate with creditors to remove negative marks or settle debts for less than the full amount owed.

Use a Secured Credit Card

[{"selector":"#anim-144728e8-3392-4f3e-bab1-0e1c668f8624","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9cef4d73-e543-4b00-a2c9-17080396cd1f","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6e894966-720d-4810-8c25-cc2a166694bc","keyframes":{"transform":["translate3d(122.53521%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Build positive credit history by using a secured credit card responsibly and paying off balances in full each month.

Keep Old Accounts Open

[{"selector":"#anim-ce70d502-7465-40ba-870c-307948debe55","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b990c2c1-be60-49c7-bc9e-dbe8572524b4","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b759086c-2382-4ce2-a298-e1a9a568f579","keyframes":{"transform":["translate3d(122.53521%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Maintain old accounts to demonstrate a longer credit history and improve your credit score over time.