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.