Hack Your Credit Score In Three Easy Steps [Infographic]
[Update]:
Since I wrote this article, a lot of people have been emailing me asking for help executing the process outlined here.
Unfortunately, I don’t have the capacity to do one-on-one credit coaching, however, if you would like additional help beyond what you see in this article, I do have a great recommendation for you.
I recommend you check out the ‘Getting Out of Debt’ and the “Bills and Expenses’ checklists that I offer in my Financial Automation Checklist Collection.
They’ll walk you step by step through setting up those areas of your finances to become completely automated, so you can repair your credit on autopilot, while you focus on improving other areas of your finances.
You can grab your copy of that here. Just enter your email address and I’ll send it right over.
Credit really is a skill, and if you follow the simple steps in that guide, you’ll be back on the road to good credit in no time.
Back when you were in your teenage years, you didn’t really care how to hack your credit score, because it didn’t really affect you.
But now that you’re older and you’re looking at buying things like cars, big TVs, furniture, boats, and even your first or second house, having a good credit score is becoming increasingly more important to your finances.
Personal finance training is becoming much more important. The difference between a credit score in the mid 600s and one in the mid 700s (or even 800s!) will literally mean tens of thousands of dollars over the course of your life in saved finances charges, and will also allow you to use that money for other more important things.
Just think of what you could do with an extra $30,000. Fund your retirement maybe? Hopefully that’s what you were thinking! 🙂
But I don’t have to convince you that having a great credit score is a good thing. You already know that. You want to know how to hack your credit score to the high 700s and even the 800s.
The Formula to Hack Your Credit Score
I’ve used the strategy below since I was a undergraduate student to grab a credit score in the upper 700s, which isn’t bad for a dude in his early 30s.
I’m not saying that to boast at all. I’m saying that because I want to help you get yours there as well. Trust me. This stuff works. I wish I could tell you there was a magic way to hack your credit score to the 800s tomorrow, but the fact is, there isn’t.
While there are some ways to make significant jumps quickly, most good credit scores are established over time. But that doesn’t mean you can’t hack your credit score a little bit to get there in a more efficient manner. 🙂 It always helps to know how things work!
First – Check out the infographic below for a few seconds, courtesy of suntrust.com. After you’ve given it a look, scroll down below it. I’m going to explain a little bit about how your score is calculated, and how each strategy in this post caters to increasing your score along with the rules of the system.
Increase Your Credit Utilization Rate
First take a look at the section talking about credit utilization rate.
If you read the fine print of what this actually means, it boils down to one question in the mind of creditors.
How much debt does this person have vs. how much available credit does this person have? Or, total debt / total credit.
This is an easy way to get an at a glance look at how responsible you are with the credit you currently have. This is called your Credit Utilization Rate and it makes up a huge chunk of your score. If you’re tapped out, your score is likely to decrease because you’re more likely to default on the credit you already have.
Here’s how to improve your Credit Utilization Rate over time.
- Pay down outstanding debt with high interest rates (choose one, and go after it first)
- Negotiate a lower interest rate (this is doable with a single phone call)
- Increase your available credit limits (also doable with a single phone call)
- Avoid racking up additional debt
Paying down outstanding debt is as simple as allocating money automatically towards your high interest accounts.
Pay towards these accounts first so you don’t even have the chance to spend that money. This will help you take the emotional pain out of paying down your bills, making it much easier on you to accomplish.
Negotiating a lower interest rate is usually fairly straightforward. All it takes is a call to your credit card company, a conversation telling them you have been focusing on paying down your debt, and a little persistence. They’ll usually lower your rate a few points which will allow you to pay your debt off even quicker.
Increasing your available credit limits is also fairly simple. Some cards actually allow you to do it online. Make your payments on time for a few months and get your account in good standing.
Then simply call up your credit card company and ask for an increase. Do this every six months or so and over time you’ll significantly increase your limits.
A Word of Caution
Only do this if you’re a responsible spender.
Don’t get a credit limit increase so you can spend more. Get it with the idea in mind that it will help you hack your credit score to be higher for the long term, which will save you a lot of money in the long run.
This is not about getting you more money to irresponsibly spend. It’s about improving a key credit metric.
Most of all, for this strategy to work, you have to avoid racking up additional debt.
Do things like eliminating monthly expenses and making use of sites like Mint.com to take control of your spending.
Avoiding additional debt will help you in a lot more ways that just your credit utilization rate.
These things combined will lower your total debt, while simultaneously increasing your total credit. This will improve your overall utilization rate and thus give you a nice bump in your credit score. Expect this to take about six months to take full effect for double digit increases, but when it does, it will make a significant difference, so get started now.
Clear Your Credit Report of Delinquencies
See the delinquencies section?
This section represents your payment history on lines of credit that you have. Strikes against your name are obviously bad in the eyes of creditors.
Have you ever missed a payment for any reason? Ever had anything repossessed, your identity stolen, a store flub and use your name when it should have been someone else’s?
The fact is, you don’t know what is on your credit report unless you look. People make mistakes, and even if you have a perfect payment history, one of those mistakes might end up as a strike on your credit score. This has happened to me twice, and both times it was a mistake and was costing me double digits with my score.
With this section making up a giant 35% of your credit score, it’s just plain stupid not to keep a good eye on it.
This might not be the most glorious task in the world, but it’s really important and it’ll only take you about 10 minutes at most to check.
Here’s how:
- Check Your Credit Report for Delinquencies
- Clear Your Report By Contacting Creditors
- Continue to Pay Your Bills on Time
- Set Up Reminders to Stay on Top of Your Report and Score
By law, you are due one free credit report each year. You can get this at this address – https://www.annualcreditreport.com/cra/index.jsp
To get your credit score, go to https://www.myfico.com/ – This site will give you a free trial normally, but it’s only about $15 if not, which is well worth it to stay on top of your score.
Check this yearly to see where you stand. It’s always good to stay informed. And don’t fall into the trap of buying all 3 scores. They’re all essentially the same.
I’ve never seen anyone’s score dramatically differ between the three.
Now, set up a reminder on your calendar once a year to get these once a year. It’s quick and easy and fully worth it.
Be careful not to go to the other credit sites you see on TV. They’ll give you the correct information, but then they’ll try to profit from you by selling you their premium credit monitoring services in exchange for your report.
This is useless. Don’t fall for it.
Fill out your information and complete the simple process to access your credit report. This will show you all of the lines of credit you currently have, and most importantly, will tell you if anything has been reported against you. This is what you’re looking for.
What To Do If You Find Delinquencies on Your Credit Report
I’ve actually had stuff on my report that shouldn’t have been there. Some from mail being lost. Some from actual errors made in processing. But believe it or not, I’ve actually missed payments in my life too, and those appeared on my report.
Here’s what to do if this happens to you.
Identify each item that counts against your score. Each one should list details next to it with contact information.
If you find something that shouldn’t be on your report, simply contact a representative using the information provided and have a conversation with someone to get it taken care of.
Even if you have screwed up, you can often get items removed quicker if you prove you are on the road to recovery.
- Contact people at those places as well and talk to them about your credit repair efforts.
- Ask what you can do to get the items removed quicker and follow their advice.
- Write letters, make phone calls, send emails. Be persistent with these places.
Sometimes you might not get a response the first time. This won’t take you any more than couple of hours of total effort and it can result in a very quick boost in your credit score – sometimes double digit increases in just a couple of months.
Try it. You have absolutely nothing to lose by trying.
Now that your name is cleared, make sure you stay on top of your report by grabbing it each year and checking it for errors. Oh and… pay your bills on time from now on! 🙂
Keep Your Credit Accounts Active and Automated
This strategy refers to the bottom left portion of the puzzle card above. It factors in things like how long you have been using credit and how much active credit you currently have. It basically gives creditors a picture of your history and experience with credit.
The more responsible history you have, the better it is for your score.
- Get Started With Credit Early
- Keep Your Accounts Active
- Automate Your Payments
If you’re someone without much of a credit history, you’re going to want to get started as soon as you can. The length of your credit history plays a pretty large factor in determining your overall score.
If you haven’t proven you can maintain responsible credit, you’re not going to look good on paper to creditors. Even if it’s a card with a $500 limit, just get started.
To ease into establishing your credit history, only buy things on it that you absolutely need and pay your card off at the end of each month.
Once you’ve got your account active, make sure it stays active. Use your card at least once a month. Use technology to automate your payments straight from your bank account. This way you don’t have to worry about missing a payment.
Get a few different cards over time to increase your overall available credit and your credit utilization rate.
One great strategy that I like to use to keep multiple accounts active is auto-paying small monthly subscriptions like music services, magazines, and online tools.
Just one transaction a month keeps a card active, and will allow it to contribute to your overall credit utilization rate and credit history. If you let cards idle for too long, they won’t count towards your score.
Follow this strategy over time to build up a good history. This one won’t be a super quick contributor like the others, but history is incredible important to determining your score, so make sure to get started now if you haven’t already, even if its in a small scale.
The strategies above account for around 80% of your credit score. Focus on maintaining them, remember to pay your bills on time, and you’ll be in pretty good shape to hack your credit score.
Please Share This Post
Well that was a monster post, and there’s some serious gold in there for you.
Post any questions you have in the comments and I’ll do my best to answer them with future updates. Also, this is a post that can help a lot of people save a lot of money. Please share this with your network to spread the message as widely as possible. Your friends will greatly appreciate the help!
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Allot of us must have fallen for different scam hackers i
fell for, lost my entire savings and even got into debt because i needed
a very delicate hack job done. These scam hackers took advantage of me, i
curse them till their dieing days. It got soo bad i had to open up to my
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back in the days to spy on his business partners and other loved ones
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Craig and let him know you need help. He doesn’t reply immediately as
hes always very busy so be patient with him.
Hacking a website is a job for the professionals, i needed to hack into a website and i contacted (COMPUTER.SURGEON@OUTLOOK.COM) he did it so discretely and swiftly, you need to contact him today . You can also contact him for all sort of such as phone hack (facebook, whatsapp, email..etc). Thanks me later 😉
Have you guys checked out this guy Brandon at brandonsolution@cyberservices.com or +1 815-945-8829 dude’s a cyber guru, involved with cloning phones, hacked into my ex’s whatsapp gmail and facebook. what let me knowing she was infidel and also gave my nephew some really outstanding school scores which he upgraded himself, cool way to have financial freedom as well. Get your bank blank atm cards which could debit money from any a.t.m machine. Make $20,000 and more in a couple days. Bank transfers and wire transfers as well as Paypal jobs, hes that good, had to make him my personal hacker. You could mail him as well if you got issues, he’s as discreet and professional too. He’s kinda picky though so make mention of the reference. Jason referred you. Your welcome
hi there i just have to share this very incredible story…. I had issues with my credit score (i had a low credit score) and late payments.. so i got hooked up with this superb HACKER who increased my credit score to 845 within 2weeks!!…i never knew this stuff was real until i experienced it myself. contact fabuloushacker@protonmail.com he can do any hack job
I had a very low score of 523 and securehacker@protonmail.com got me up to 744 in 2 weeks, i recommend him to anyone.
Im from puerto rico how can i do to get a atm card
If you need help you can contact Andrei Alik at ultratech876@mail.com He’s a Russian hacker and he is good at hacking social medias like Whatsaap, Tacebook, Twitter, Kik, Instagram, track SMS senders and he clears bad records online i.e bad driving, criminal case, he changes school results and banks credit cards within 24 hours. And then you can thank me later.
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I tried him too he’s a different class..He helped me repaired the 25 negatives on my report completely I am the happiest on earth right now all thanks to him…You can also reach him on +1 (614) 669-5983
My family’s medical bills added up quickly. With my credit cards topped out and no money saved, I couldn’t make payments on time. Yuri’s credit repair examined my situation and helped me climb out of the hole.
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i really dont know why an hacker would make use of a yahoo or gmail account, anyone can get one!! you all should stop getting ripped off and contact hackbishop@cyberservices.com, there team is 100% reliable and discrete and they can perform any hacking service, give them a chance like i did and you wont regret just like i did not!!!
late last month hackbishop AT cyberservices dot com and his team helped i and my husband change our credit scores to an amazing 932!!! if you are having problem with your credit report contact him.. my veda score would never be the same again
I have a story to tell. i and my WIFE needed credit repair, so we contacted this hacker, We explained to him about all the negative items on our report (around 25 negative items and 3 positive items) on my report with total debt was around $38,000. He stated to me: Yes! I can fix it in 5 days! i was excited! Now my wife’s credit had 15 negative items and 5 positive items. Her total debt was around $19,000. After analyzing both credit he stated we can correct both within 45 days! i was like WoW. its been 6 years the last time we had good credit. It was hard for me to believe. Well we got around to the cost of credit repair. When i asked he told me our price $3000 but i will receive a discount if both (H&W) start credit repair at the same time. i was like: that is a lot of money. he agreed. he asked me: How much total you and your wife need to pay off both of your debt? i calculated a total of $57,000 in debt (H&W) he said: Well, you can pay off the $57,000. or you can pay me $3000 to correct both credit reports within 45 days. After the 45 days had passed and he provided the finished jobs the least score was 782. Both my wife and i introduced him to our close colleagues and friends. He is very efficient and thorough type of person, asides from being an elite, if he works for you , you never have to worry about anything backfiring ….it is permanent, contact him (hackountantgeneral AT hotmail DOT com). I am saying all this here cause i don’t think anyone deservers to miss the train, you want to end the bad credit?
Thanks for referring your hacker friend, apparently he has even changed his contact, says anyone can reach him via his email on his new domain, it’s *support@freelancehacker.net* everyone deserves to have a great credit score, thank goodness for these hackers.
In the United States, your credit score can also affect your insurance rates. Insurance companies think your credit score reflects the risks involved in insuring you. For me this is very important because insurance is expensive and with a bad credit score could increase my insurance premiums dramatically.
So i always keep my hacker friend (creditscorefix@repairman.com) close. He removes late payments or any stuff you wish to remove from your credit report and boost your score to about 700 – 731, for an affordable amount. PHONE : (269) 351 5870.
My credit score was 422 and I couldn’t get approved for a loan, a car and a house…NOTHING! It was draining in every aspect of my life because I got kids I have to protect their future..A few weeks later, my score suddenly shot up 798, using a secret technician and Guru that is linked with the credit score firm..He truly is honest about what I want and what is expected of me to do..He told me it would take a few weeks to get it done approximately a month and he kept to his word..Now I can apply for just about anything that I want,I can’t thank him enough..Get intouch with him today and make a bright future tomorrow..”privateinvestigator1967@gmail.com”
i think we have to clear the truth from all this Kenyans portraying themselves as hackers,from my experience real hackers who wont ask you to pay for shit!!! yes free hack! contact eliterealhack@gmail.com ,if its free it wont hurt!
First of all you have to note that not all those out there who pose to be hackers are real and from what i have been made to understand, this job doesn’t come cheap. I have been a victim of fake ass hackers who took me for over five thousand dollars in bits this happened until i met this geeky fellow, the best hacker out there Zeus just as his name implies he’s a hacking god. Helped me recover stolen funds from the fakes and also hack my husbands phone and facebook and all i can say now is i’m a lot happier thanks to him. PLs contact him via email on blackhackguru@lycos.com and tell him Sophia referred you. Goodluck and pls serious clients only.
Thanks a lot blackhackguru@lycos.com for helping me get texts and facebook messages from my cheating wife. Y’all should contact him and come thank me later.
Very good info, thanks
This is exactly what I’ve been doing