3 Simple & Quick ways to boost your credit score in 30 days

We all made mistakes. Unfortunately, those mistakes can leave a blemish which results in low credit scores that linger and make obtaining additional credit a challenge. 
 
Credit scores do not just affect borrowing. Employers review a prospective employee’s credit score before extending a job offer so it can affect your future earnings.
 
Fortunately, there are ways to improve your credit score fast. 

1. Ask your creditor for help. 
Creditors may accept a partial payment for a debt in collections in return for reclassifying the debt as “paid.” They can report to the credit agencies and have this removed overnight. 

2. Report erroneous information.
Request a copy of your credit report that you are legally entitled to from the credit agencies, (Equifax, TransUnion). Review your report and write a formal letter to the credit reporting bureaus stating which information is erroneous. 
The letter may request to remove late payment history, bankruptcies more that 7 years ago or a loan that went to collections but still shows up even though it has been repaid.

3. Become an authorized user
Ask a family member with good credit to add themselves to one of your credit cards as an authorized user. This should lower the debt-to-income ratio and help boost a credit score quickly.