It can take you years to build a good credit history. However, if your credit card is in bad shape, there are tips you can follow to increase your credit score faster. Depending on the status of your credit report, a quick credit boosting strategy might address the issues causing a low score. However, those strategies won’t change your bad credit into great credit overnight, but they can lead a little improvement. Here legitimate tips to increase your credit score faster.

Consider Going for Self-Reporting

The number of accounts on your credit report will assist lenders in determining how you handled depts. This implies that you will be much disadvantaged if you have a limited credit history. Self-reporting will not only enable you to become an authorized user on someone’s credit card but also, you may be able to information to your credit report. Two free programs will allow you to uplift your thin profile to other financial information. Apart from the two free programs, there also exist some free services which can allow you to add given types of information to your credit report.

Timely Bill Payment

Lenders are always interested in your credit report to find out your credit score. This will guide them to know your reliability in paying your bills. It’s believed that your past payment habit can predict your future. To influence this credit scoring factor, pay all your bills on time as you agreed. Late payment can negatively affect your credit score. It’s also ideal to use available tools and resources to help ensure you pay on time every month. Bring all your payments current as soon as possible.

Remove Errors in Your Credit Report 

One of the fundamental things you can do to raise your credit score quickly is by getting copies of your existing credit report from every bureau. Find errors, incorrect information, or fraudulent accounts. Even a single failure, fraudulent account, or a single improper late payment can harm your overall credit score. Ensure you are receiving credit for each credit you earn. As soon as you find something wrong, file a dispute and give them 30-40 days to correct the anomaly.

Be an Authorized User 

Another option of improving your credit score is to get added as an authorized user on someone’s credit card account. This means that you will need to find someone who is related or a good friend to you who manages their money very well. As soon as you find such a person who is willing to do that favor to you, explain you do not need the credit card, you want to get added to their credit cards to build credit. Hence when you become an authorized user, the account will reflect on your credit report. Therefore, your credit card report will reflect the original cardholder on-time payment and utilization rate boosting your credit score.