Boost Your Credit Score 30-100+ Points In a Few Easy Steps

Complete Each Action Below and See Your Score Boost By 30-100+ Points in Days.

Did you know a borrower with a score of 620 could expect to pay a median interest rate of 30% on a personal loan while someone with a score of 695 would pay 14.5%.

On a $25,000 loan over 5 years that 70 point difference would be an extra $13,238 in interest for the same loan that’s an extra $220 a month.

Follow these simple steps and boost your score by over 100 points in days 👇

Signup at:	Why?	Cost	Possible Effects
Sofi Click to Boost	Get your FREE credit score and get $10 in rewards points. No Credit Card Needed.	Free	Know Your Score. Click to Boost
Experian Credit Boost Click to Boost	Instantly Raise Your Credit Scores for Free Get credit for other bills you pay like rent, cell phones, insurance, utilities and more. Bonus: Get your FICO score and Experian credit report for free plus a free identity scan.	Free	Boost Score Instantly, Bring Your FICO Score Up In Minutes Click to Boost
Tradelines.com Click to Add	Go From Bad Credit to Good With This 1 Hack. Use Tradelines to piggyback off someone else’s excellent credit.  Their good payment history now reflects positively on you and your scores go up. Bonus: Do this before you apply for credit and get $50K instead of $5K Limits	$50-$500	Boost Score 40-100 PTS Click to Add
Credit Sesame Free Score Click Here	Get Your Free Trans Union Score. This is Different From Experian’s FICO and Its Always a Good Idea to Make Sure Your Trans Union and Experian Scores are Close In Number. Bonus: Credit Sesame Will Cross Reference Credit Requirements And Show You Credit Products You’ll Be Approved For	Free	Verify Accuracy of Trans Union Score Free Score Click Here
The Credit Pros Dispute Errors	Common Name?  This Is Important. Credit bureaus are not the most organized and when people have similar names its not uncommon for wrong information to appear on their credit reports which can negatively impact your score. Use the credit pros to check all 3 bureaus for errors, its free for 14 days and if you dont find errors you can cancel it.	Free for 14 days	Fix Inaccurate Information Dispute Errors

Take these steps right now for an instant credit score boost.

Self is a self-lending product that allows you to open a credit card, fund it and be your own lender. Your good payment history is reported to the credit bureau and your score benefits from a lender showing good and on time payment history. It is a great tool for those with scores under 600 to build up positive credit history fast.

Signup at:	Best For	How It Works	Learn More
Self Click to Boost	Those with scores under 600	You open a card Pay yourself and use the card as credit Increases score up to 49 Pts	Click to Boost

For best results do all 4 steps.

Experian boost is the easiest. Its free and takes a few minutes and can boost your FICO score, 10-30 points.

Tradelines will cost you $150-$400 depending on the score boost you want but you can get another 40-100 points added to your score with a tradeline.

Make sure you know your score, you can check for free at credit sesame.

Finally if any mistakes are on your credit file use the credit pros self-serve system for free for 15 days to dispute it.

How Do Credit Scores Work?

Credit scores are numerical representations of your creditworthiness, which lenders use to determine how risky it might be to lend you money or offer you credit. The score ranges from 300 to 850, with higher scores indicating better creditworthiness. Here’s how they work and the factors that go into calculating them:

1. Payment History (35%)

This is the most important factor. It looks at whether you’ve made your credit card, loan, and mortgage payments on time. Missed or late payments can significantly hurt your score. Bankruptcy, collections, or other serious payment delinquencies also lower your score.

2. Credit Utilization (30%)

This is the ratio of your credit card balances to your credit limits. It’s calculated by dividing your total credit card debt by your total credit limit. The lower the ratio, the better it is for your score. A high utilization ratio (e.g., using 80% of your available credit) can hurt your score because it suggests you’re over-relying on credit.

3. Length of Credit History (15%)

A longer credit history is generally better because it shows that you have experience managing credit. The age of your oldest account, the average age of all your accounts, and the age of specific types of accounts (credit cards, loans, etc.) all contribute.

4. Types of Credit Used (10%)

Lenders like to see that you can manage different types of credit (credit cards, mortgages, installment loans, etc.). Having a mix of different credit accounts can be beneficial, but it’s not necessary to have all types. Opening too many new accounts just to improve this factor could hurt your score.

5. New Credit Inquiries (10%)

When you apply for new credit, a “hard inquiry” is made on your credit report. While one or two inquiries won’t hurt your score much, several in a short period can indicate that you’re taking on too much debt, which can lower your score. However, soft inquiries (like checking your own credit or getting pre-approved offers) don’t impact your score.

Credit Score Ranges:

• • 300-579: Poor – Lenders see you as a high-risk borrower.
• • 580-669: Fair – You may be approved for credit, but at higher interest rates.
• • 670-739: Good – You have a solid credit history and can get credit with competitive terms.
• • 740-799: Very Good – Lenders trust you and offer low interest rates.
• • 800-850: Excellent – You have a long, positive credit history and can get the best rates and offers.

How to Improve Your Credit Score:

• • Pay your bills on time, every time.
• • Keep your credit utilization low.
• • Avoid opening too many new accounts at once.
• • Keep old accounts open to build a longer credit history.
• • Check your credit report regularly for errors.

Credit scores are used in many financial decisions, from applying for loans to renting an apartment. Building and maintaining good credit is important for accessing favorable financial products.

1. Obtain Your Credit Report

The first step is to get a copy of your credit report to verify the mistake. You’re entitled to one free credit report per year from each of the three major credit bureaus: Equifax, Experian, and TransUnion. You can access these reports through AnnualCreditReport.com.

If you haven’t already, check your credit reports from all three bureaus. Sometimes, different bureaus may have different information, and mistakes may appear on one but not all.

2. Review Your Credit Report for Errors

Look carefully for errors such as:

• • Incorrect personal information (wrong name, address, or Social Security number)
• • Accounts that don’t belong to you (fraudulent accounts, mistaken identity, or outdated information)
• • Incorrect account details (wrong balance, payment status, or date of last payment)
• • Late payments marked incorrectly (for example, a payment that was made on time but reported late)
• • Unresolved disputes (any items marked as “disputed” that haven’t been updated)

3. Dispute the Errors

If you find any errors, you can dispute them with the credit bureau that issued the report. Here’s how:

• • • Online: All three bureaus have online dispute systems where you can file a claim quickly. You’ll need to explain the error and provide any supporting documentation (such as payment receipts or account statements).
  • • Equifax: Dispute on Equifax
  • • Experian: Dispute on Experian
  • • TransUnion: Dispute on TransUnion
  • • By Mail: You can also dispute errors by sending a letter to the credit bureau. Include copies of supporting documents and a detailed explanation of the issue.

4. Provide Supporting Documents

When disputing a mistake, be sure to include relevant supporting documents, such as:

• • • • Bank statements showing payments made
    • • Emails or letters proving that the payment was processed
    • • Court documents (if related to a legal case or judgment)
    • • Any other records that help back up your claim

It’s essential to only send copies, not originals, of your documents.

5. Wait for the Investigation

The credit bureau will typically investigate your dispute within 30 days and will notify you of their findings. They will either correct the error, verify that the information is correct, or in some cases, may ask you for more information.

The creditor or lender who provided the incorrect information may also be involved in the process. If they verify that the information was incorrect, they will update their records with the credit bureau.

6. Check for Updates

After the dispute process is complete, check your credit report again to ensure that the error has been corrected. If the error is resolved, your credit score should improve. If the error isn’t corrected, you have the option to appeal the decision or provide additional evidence.

7. Follow Up with the Creditor

If the credit bureau’s investigation doesn’t resolve the issue, or if you don’t agree with the outcome, contact the creditor or lender directly. You can request that they update the information with the credit bureau. Be prepared with any documentation you have to prove your case.

8. File a Complaint (if necessary)

If you can’t get the error resolved through the credit bureaus or the creditor, you can file a complaint with the Consumer Financial Protection Bureau (CFPB). They can assist in resolving disputes related to credit reporting errors.

• • • • File a complaint with the CFPB: https://www.consumerfinance.gov/complaint/

9. Consider Credit Monitoring

If you’re concerned about ongoing errors or fraudulent activity, consider enrolling in a credit monitoring service. These services will alert you to any changes or updates on your credit report and can help catch errors or signs of identity theft quickly.

Key Points to Remember:

• • • • Disputing an error is free and can be done online or by mail.
    • • Errors can take 30-45 days to resolve, so be patient.
    • • You have the right to ask the credit bureaus to remove or correct mistakes, and they are required to investigate.

By regularly checking your credit report and disputing errors promptly, you can help ensure your credit score is accurate and avoid any negative impacts on your financial life.