How to Get a 700 Credit Score in 90 Days: 11 Easy Strategies (2022) (2023)

So, you’re wondering how you can increase your credit score in just 90 days? The good news is that it’s realistic, andachieving a 700 credit score is likely if you follow the best practicesI’m about to show you.

Wanting a better credit score is natural, and a FICO credit score of 700 that’s something to be proud of.Too many people think that your credit score is fixed and improving it takes years.

This isNOTthe case, and you’ll be pleased to know that you can improve your credit score by over 100 points in just 90 days.

The FICO score you see today may not be the same score you see tomorrow. That’s becauseeach of the three major credit bureaus updates your credit score at different times, and not all of those updates will be reflected on your credit report straight away.

This means that you should actively try and improve your credit score as this will have many benefits for you, such as access to lower interest rates and greater approval odds over lending decisions.

Without further delay, here are the11 best strategiesto build a good credit score fast:

Table of Contents

#1 Make Consistent Payments

This will come as no surprise, and I’m sure you have heard it a million times before.However, it’s almost impossible to improve your credit score in 90 days without making consistent, timely payments to creditors.

Some people tend to forget to pay their debts, and that’s awful for your credit score.

If you’re wondering why this is the case, you should know that your credit score is largely based on your payment history. More on thefactors that affect your credit scorelater.

If you pay your creditors past the due date, it willflag up on your credit report, which will lower your credit score, the opposite of what you are trying to achieve. Somake sure always to pay off your outstanding debt.

To ensure you make these payments on time, you should definitelyconsider setting up automatic payments or direct debit for all your bills. This means that you won’t forget to make a payment, as the money will be automatically taken from your account as soon as it’s owed.

Super simple, and very effective. Set up a direct debit now, as this is the fastest way to build good payment history!

#2 Keep Credit Utilization Rate Low

If you think that this is obvious, you’re ahead of the curve. Many people are not aware of this crucial tip.

Whether you have a credit limit of $1000 or $10,000, just because you have that much credit, doesn’t mean you should use it.

Ideally, it would be best to keep yourcredit utilization ratio(which is the amount of credit you have used in relation to your credit limit)below 30%. That’s because this will help you boost your score by helping you build a better payment history.

The lower, the better. Experts suggest that 30% is the perfect number to aim for. This is becauselow credit utilization is a strong indicator that you have reasonable control over your finances and do not pose a significant risk to lenders.

By keeping your credit utilization ratio low, you will be able to improve a bad credit score in just 90 days!

#3 Use a Secured Credit Card

Are you struggling with a low credit score? Well,a secured credit card may be a fantastic idea for you.

A secured credit card is a card that is directlylinked to your own cash depositand is thereforesecured by collateral(if you fail to make a payment). One significant benefit of using a secured credit card is that it’s soeasy to get approved.Card issuers will have no problem supporting people with bad credit for a secured card because their risk is low.

As a cash deposit backs secured credit cards, this typically means that theannual fee charged is much lower, which is amazing if you’re on a budget.

Nevertheless, using a secured credit card is a viable alternative to a traditional card and will undoubtedly help you achieve a credit score increase. This way, you will have access to a secured line of credit, and you will be able to use it as an alternative to your unsecured credit card.

However, it’s important to note thata secured card will usually have a higher interest rate than your unsecured credit card. Still, if you are confident that you can pay your bills on time, you don’t have to worry about the consequences of defaulting on your payments.

Remember thatapplying for a new credit card isn’t an instant fix to bad credit, and you still need to focus on your utilization ratio and payments.

I recommend applying for the Discover It Secured Credit Card!

Remember to stay positive if you have bad credit, for example, it’s still possible torent an apartment with bad credit and evictions.

#4 Become an Authorized User

Becoming an authorized user on someone else’s credit card will allow you toreap the benefits of their excellent credit history. This could be a family member or a trusted friend. When you are added as an authorized user, this willcause a new account to appear on your credit report, meaning that you will directly benefit from their credit length, history, and utilization rate.

Essentially you’re borrowing their good credit history and credit length, legally. If you are wondering why credit length matters this is because it takes the major consumer credit bureausquite a long time to trust new credit accounts.

By becoming an authorized user on a card with several months of credit activity, you will likely see a boost in your current credit score.

Just make sure that the person whose card you’re becoming an authorized user issomeone trustworthy, reliable, and has a credit account in good standing.While you’ll benefit from them making on-time payments, yourcredit score will suffer if they miss payments.

Suppose you don’t know anyone who would let you become an authorized user on their credit card account. You could choose to buy tradelines to increase your credit score, as long as they have enough history and a perfect credit score.This is technically legal but is a bit of agrey area, so I don’t suggest this as your primary credit-building strategy.

#5 Vary Types of Credit

Having multiple types of credit is essentialif you want to get a 700 credit score in 90 days. This is because having various different types of credit shows that you are a responsible person capable of managing multiple forms of credit.

Having diversified available credit types is known as your “credit mix”.

One great type of credit is installment loans. An installment loan could be a personal loan, an auto loan (car loan), student loans, or a mortgage – essentially,if there is a fixed payment schedule and a defined end date, this is an installment loan.

Installment credit will help you builda solid payment history(provided you don’t miss payments), which is one of the key factors affecting your credit score.Also, never take a loan out to improve your credit score. That won’t necessarily work.

The other type of credit to form your “credit mix” isrevolving credit, and this includes credit cards, personal lines of credit, and home equity lines of credit.

If you are wondering how to get a 700 credit score in 90 days and you don’t have at least a credit card, that is my single most significant tip for you. Use a credit card!

#6 Ask For An Increased Credit Limit

As the saying goes… if you don’t ask, you won’t receive. Asking for more extensive credit lines is a fantastic way to keep your credit utilization rate low and improve your score.

The best thing about asking for a more significant credit line is that you’ll havemore optionswhen it comes to paying for something. A larger credit limit is an excellent option because you’ll have a broader range of credit cards, allowing you to make purchases tactically.

So, if you have a consistent history of on-time payments, you can expect to see your credit limit increase.However, if you have late payment history, creditors are not likely to increase your credit limit. So, to reiterate,consistent monthly payments are the best way to get a 700 credit score in 90 days!

#7 Get a Copy of Your Credit Report

There may be errors on your credit report, causing your credit score to be lower than it should be. This could be the result ofmistakes made by your creditor or by the credit reporting agency. Mistakes can happen to anyone, even if you have excellent credit, so it’s always worth checking.

Either way, if you’re not happy with your credit score and want to find out what the issues are, you should check with yourcredit reporting agency. If you don’t already have a copy of your credit report, you canquickly request a free credit report online, as you have a right to do so.

A copy of your credit report will enable you to identify any errors on your credit report that are being classed as negative information.You will be able to rectify them and hopefully see an instant boost to your credit score! Often these errors are minor, but it’s possible that someone has messed up, and you are due a significant credit boost.

Honorable Mentions:

#8 Get a Credit Builder Loan

#9 Avoid Hard Inquiries

#10 Register for Credit Karma

#11 Get Credit For Your Rent


Building a high credit score is certainly not an easy thing to do. However, taking the steps outlined in this article regularly will give you a good idea of what it takes to build better credit.

I hope this post has answered your query on how to get a 700 credit score in 90 days.While this may be difficult if you have an abysmal credit score right now if you keep sticking to the strategies outlined in this article you will be able to reach your goal.

Good Luck!


How to get a 700 credit score in 90 days? ›

Here's what you need to do.
  1. Make every payment on time. ...
  2. Keep your credit utilization low. ...
  3. Don't close old accounts. ...
  4. Pay off credit card balances. ...
  5. Ask your card issuer to increase your limit. ...
  6. Use the authorized user strategy. ...
  7. Put your bill payments to work. ...
  8. Use a rent reporting company.

How can I raise my credit score to 700 fast? ›

6 easy tips to help raise your credit score
  1. Make your payments on time. ...
  2. Set up autopay or calendar reminders. ...
  3. Don't open too many accounts at once. ...
  4. Get credit for paying monthly utility and cell phone bills on time. ...
  5. Request a credit report and dispute any credit report errors. ...
  6. Pay attention to your credit utilization rate.

What is currently the secret to bumping up your credit score? ›

Paying bills on time and paying down balances on your credit cards are the most powerful steps you can take to raise your credit. Issuers report your payment behavior to the credit bureaus every 30 days, so positive steps can help your credit quickly.

How can I build my credit fast in 2022? ›

Final Thoughts
  1. Get a credit card that doesn't let you overspend, pay fees or accrue interest charges.
  2. Become an authorized user on a family member's credit card.
  3. Apply for a credit-builder loan.
  4. Pay your bills on time every month.
  5. Avoid opening too many accounts at once.
  6. Keep unused accounts open.
Oct 7, 2021

How fast can you raise your credit score from 500 to 700? ›

The credit-building journey is different for each person, but prudent money management can get you from a 500 credit score to 700 within 6-18 months. It can take multiple years to go from a 500 credit score to an excellent score, but most loans become available before you reach a 700 credit score.

How fast can I add 100 points to my credit score? ›

For most people, increasing a credit score by 100 points in a month isn't going to happen. But if you pay your bills on time, eliminate your consumer debt, don't run large balances on your cards and maintain a mix of both consumer and secured borrowing, an increase in your credit could happen within months.

How long does it take to get a 700 credit score from 550? ›

The time it takes to increase a credit score from 500 to 700 might range from a few months to a few years. Your credit score will increase based on your spending pattern and repayment history. If you do not have a credit card yet, you have a chance to build your credit score.

Is 650 a good credit score? ›

A FICO® Score of 650 places you within a population of consumers whose credit may be seen as Fair. Your 650 FICO® Score is lower than the average U.S. credit score. Statistically speaking, 28% of consumers with credit scores in the Fair range are likely to become seriously delinquent in the future.

How can I raise my credit score real quick? ›

Steps to Improve Your Credit Scores
  1. Build Your Credit File. ...
  2. Don't Miss Payments. ...
  3. Catch Up On Past-Due Accounts. ...
  4. Pay Down Revolving Account Balances. ...
  5. Limit How Often You Apply for New Accounts.

What hits your credit score the most? ›

1. Payment History: 35% Your payment history carries the most weight in factors that affect your credit score, because it reveals whether you have a history of repaying funds that are loaned to you. This component of your score considers the following factors:3.

What are 3 things that will raise your credit score? ›

But here are some things to consider that can help almost anyone boost their credit score:
  • Review your credit reports. ...
  • Pay on time. ...
  • Keep your credit utilization rate low. ...
  • Limit applying for new accounts. ...
  • Keep old accounts open.

What drops credit score the most? ›

5 Things That May Hurt Your Credit Scores
  • Highlights:
  • Making a late payment.
  • Having a high debt to credit utilization ratio.
  • Applying for a lot of credit at once.
  • Closing a credit card account.
  • Stopping your credit-related activities for an extended period.

What bills build credit fast? ›

What Bills Help Build Credit?
  • Rent Payments. Before property management platforms, renters were unable to report rent payments to credit bureaus to build their credit health. ...
  • Utility Bills. ...
  • Auto Loan Payments. ...
  • Student Loan Payments. ...
  • Credit Card Payments. ...
  • Medical Bills.
Nov 28, 2022

Can I pay someone to fix my credit? ›

If you want help, you can hire a credit repair company to assist you. They generally charge anywhere from $19 to $149 a month for their services. But beware of scam credit repair offers, which may leave you in worse financial shape than before. Consumer Financial Protection Bureau.

Can my credit score go up 200 points in a month? ›

There are several actions you may take that can provide you a quick boost to your credit score in a short length of time, even though there are no short cuts to developing a strong credit history and score. In fact, some individuals' credit scores may increase by as much as 200 points in just 30 days.

Should I pay off my credit card in full or leave a small balance? ›

It's a good idea to pay off your credit card balance in full whenever you're able. Carrying a monthly credit card balance can cost you in interest and increase your credit utilization rate, which is one factor used to calculate your credit scores.

What credit score do you start with? ›

Some people wonder whether the starting credit score is zero, for example, or whether we all start with a credit score of 300 (the lowest possible FICO score). The truth is that there's no such thing as a “starting credit score.” We each build our own unique credit score based on the way we use credit.

How to get 800 credit score in 45 days? ›

Here are 10 ways to increase your credit score by 100 points - most often this can be done within 45 days.
  1. Check your credit report. ...
  2. Pay your bills on time. ...
  3. Pay off any collections. ...
  4. Get caught up on past-due bills. ...
  5. Keep balances low on your credit cards. ...
  6. Pay off debt rather than continually transferring it.

Can I boost my credit score overnight? ›

The likelihood of drastically increasing your credit score overnight is slim to none, but it's possible to start seeing significant improvements over time with the right actions. Increase your FICO® Score & Get Credit for the Bills You're Already Paying.

Can I raise my credit score 50 points in 30 days? ›

There are several ways to raise your credit score in 30 days. Reducing your credit utilization is one of the fastest ways to raise your credit score, and you can do it by paying down debt, spending less, paying your bill more often or asking for a higher spending limit.

How can I raise my credit score 40 points fast? ›

Here are six ways to quickly raise your credit score by 40 points:
  1. Check for errors on your credit report. ...
  2. Remove a late payment. ...
  3. Reduce your credit card debt. ...
  4. Become an authorized user on someone else's account. ...
  5. Pay twice a month. ...
  6. Build credit with a credit card.
Oct 19, 2022

How long does it take to get credit score to 700? ›

How Long Can It Take to Build a Credit Score Of 800-850?
Initial ScoreAvg. time to reach 700*Avg. time to reach 800*
350 - 4002+ years3 years
450 - 50018 months - 2 years3+ years
550 - 60012-18 months2+ years
650 - 7001 year
2 more rows

Is 582 credit score low? ›

Your score falls within the range of scores, from 580 to 669, considered Fair. A 582 FICO® Score is below the average credit score. Some lenders see consumers with scores in the Fair range as having unfavorable credit, and may decline their credit applications.

What can a 550 credit score get you? ›

Credit Rating: 550 is considered a bad credit score. Borrowing Options: Most borrowing options are available, but the terms are unlikely to be attractive. For example, you could borrow a small amount with certain unsecured credit cards or a personal loan with no credit check, but the interest rate is likely to be high.

What is the average US credit score? ›

Credit scores are three-digit numbers that show an important piece of your financial history. Credit scores help lenders decide whether to grant you credit. The average credit score in the United States is 698, based on VantageScore® data from February 2021. It's a myth that you only have one credit score.

Is Experian or Credit Karma more accurate? ›

Experian vs. Credit Karma: Which is more accurate for your credit scores? You may be surprised to know that the simple answer is that both are accurate. Read on to find out what's different between the two companies, how they get your credit scores, and why you have more than one credit score to begin with.

Can I get a Tesla with a 650 credit score? ›

The company doesn't list a minimum credit score requirement for a Tesla auto loan or lease. However, borrowers with good or excellent credit have a higher chance of qualifying and getting a lower interest rate.

What are the 2 biggest impacts of your credit score? ›

Payment history has the biggest impact on your credit score, making up 35% of your FICO score. Credit utilization ratio comes in at a close second, accounting for 30% of your score. The higher your credit score, the more likely you are to qualify for credit – and receive better terms and interest rates.

What are the top 2 most important things that factor into your credit score? ›

The most important factor of your FICO® Score , used by 90% of top lenders, is your payment history, or how you've managed your credit accounts. Close behind is the amounts owed—and more specifically how much of your available credit you're using—on your credit accounts.

What are the two biggest factors in your credit score? ›

The two major scoring companies in the U.S., FICO and VantageScore, differ a bit in their approaches, but they agree on the two factors that are most important. Payment history and credit utilization, the portion of your credit limits that you actually use, make up more than half of your credit scores.

What is a bad credit score? ›

In the FICO scoring model, scores range from 300 to 850. This number represents the likelihood that a borrower will repay a loan. If your credit score lands between 300 and 579, it is considered poor, therefore lenders may see you as a risk.

Why is my credit score going down if I pay everything on time? ›

Similarly, if you pay off a credit card debt and close the account entirely, your scores could drop. This is because your total available credit is lowered when you close a line of credit, which could result in a higher credit utilization ratio.

What makes credit score go up? ›

The longer your history of making timely payments, the higher your score will be. Credit scoring models generally look at the average age of your credit when factoring in credit history. This is why you might consider keeping your accounts open and active.

What are the 5 C's of credit? ›

What are the 5 Cs of credit? Lenders score your loan application by these 5 Cs—Capacity, Capital, Collateral, Conditions and Character. Learn what they are so you can improve your eligibility when you present yourself to lenders.

Does a cell phone bill build credit? ›

Will paying my phone bill build credit? The short answer: No, paying your phone bill will not help you build up credit. Phone bills for service and usage are not usually reported to major credit bureaus, so you won't build credit when paying these month to month.

Does paying bills early help credit score? ›

Paying your credit card early can save money, free up your available credit for other purchases and provide peace of mind that your bill is paid well before your due date. If you can afford to do it, paying your credit card bills early helps establish good financial habits and may even improve your credit score.

How can I add my cell phone bill to my credit report? ›

Experian Boost™ offers you the opportunity to add eligible mobile phone, utility, and subscription service bills to your Experian credit report. The service is free of charge, but you do have to give the credit bureau permission to scan your bank (and/or credit card) account for evidence of positive payment history.

Can I wipe my credit file clean? ›

No, technically, you can't wipe your credit history. However, you can change your credit behavior to make improvements that will build better credit going forward. It takes time and better habits to move on from subpar credit.

What is credit washing? ›

For the uninitiated, credit washing is the practice by which unscrupulous individuals approach creditors with false claims of identity theft. This allows them to “wash” the negative claims off their record and take out car loans at rates they aren't qualified for.

Who can clean my credit report? ›

Unfortunately, there's no way to quickly clean your credit reports. Under federal law, the credit bureaus have 30 – 45 days to conduct their investigations when you dispute information. If the credit bureaus can verify the information on your credit reports, it can remain for up to seven to 10 years.

How can I raise my credit score 50 points fast? ›

Here are some strategies to quickly improve your credit:
  1. Pay credit card balances strategically.
  2. Ask for higher credit limits.
  3. Become an authorized user.
  4. Pay bills on time.
  5. Dispute credit report errors.
  6. Deal with collections accounts.
  7. Use a secured credit card.
  8. Get credit for rent and utility payments.
Nov 1, 2022

How many points can I raise my credit score in a month? ›

In fact, some consumers may even see their credit scores rise as much as 100 points in 30 days. Learn more: Lower your credit utilization rate. Ask for late payment forgiveness.

Can you build a 700 credit score in 3 months? ›

The time it takes to increase a credit score from 500 to 700 might range from a few months to a few years. Your credit score will increase based on your spending pattern and repayment history. If you do not have a credit card yet, you have a chance to build your credit score.

Can you get a credit score in 3 months? ›

With focus and a clear goal, you can get your credit score up in three months with a few tips. Pay down debt, make your payments on time, avoid hard credit checks, and stay on top of your credit report. After some time and diligence, you will see a boost in your credit in no time.

How can I get a high credit score in 3 months? ›

4 tips to boost your credit score fast
  1. Pay down your revolving credit balances. If you have the funds to pay more than your minimum payment each month, you should do so. ...
  2. Increase your credit limit. ...
  3. Check your credit report for errors. ...
  4. Ask to have negative entries that are paid off removed from your credit report.

How long does it take to go from 550 to 750 credit score? ›

How Long Does It Take to Fix Credit? The good news is that when your score is low, each positive change you make is likely to have a significant impact. For instance, going from a poor credit score of around 500 to a fair credit score (in the 580-669 range) takes around 12 to 18 months of responsible credit use.

How much can a credit score go up in a month? ›

There are several actions you may take that can provide you a quick boost to your credit score in a short length of time, even though there are no short cuts to developing a strong credit history and score. In fact, some individuals' credit scores may increase by as much as 200 points in just 30 days.

What is the fastest way to boost credit score? ›

Steps to Improve Your Credit Scores
  1. Build Your Credit File. ...
  2. Don't Miss Payments. ...
  3. Catch Up On Past-Due Accounts. ...
  4. Pay Down Revolving Account Balances. ...
  5. Limit How Often You Apply for New Accounts.

How to raise credit score 100 points in 30 days? ›

Quick checklist: how to raise your credit score in 30 days
  1. Make sure your credit report is accurate.
  2. Sign up for Credit Karma.
  3. Pay bills on time.
  4. Use credit cards responsibly.
  5. Pay down a credit card or loan.
  6. Increase your credit limit on current cards.
  7. Make payments two times a month.
  8. Consolidate your debt.
Jun 6, 2023

What's the highest your credit score can jump in one month? ›

In fact, some consumers may even see their credit scores rise as much as 100 points in 30 days. Learn more: Lower your credit utilization rate.

How to get a 700 credit score in 30 days? ›

Best Credit Cards for Bad Credit.
  1. Check Your Credit Reports and Credit Scores. The first step is to know what is being reported about you. ...
  2. Correct Mistakes in Your Credit Reports. Once you have your credit reports, read them carefully. ...
  3. Avoid Late Payments. ...
  4. Pay Down Debt. ...
  5. Add Positive Credit History. ...
  6. Keep Great Credit Habits.
May 24, 2023

What are 5 ways to establish credit? ›

  • Open your own credit card.
  • Become an authorized user on another credit card account.
  • Use a credit builder loan.
  • Get a personal loan.
  • Add additional recurring payment types to your credit reports.
Dec 6, 2022


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