How Can I Raise My Credit Score 10 Points Fast?

Getting a 10 point boost on your credit report is a cinch. 

Unlike a 200 point increase, 10 points can be achieved by choose to act on one of the tactics below. 

That’s not the same for a higher increase, which would require both of these tactics and more to see a significant rise. 

What matters most is that you know the basic rules of the FICO scoring world:

1. Credit Utilization accounts for 35% of your credit score
2. Payment History is 30% of your score
3. Credit Age (how long has this line of credit been open) makes up for 15
4. Diversity of credit lines accounts for 10% (having a mix of revolving and non-revolving credit)
5. Hard and Soft Inquiries represent another 10%

Once you understand those rules you can actually pick and choose which factor would help you to raise your score the quickest. 

Want Help Removing Items Off Your Credit Report?

How Can I Raise My Credit Score 10 Points Fast?

In order to achieve this small spike quickly, you want to choose a tactic that won’t raise your credit score at all, like to apply for another credit card. 

The hard inquiry alone can drop score temporarily, which defeats your purpose. Same as getting a non-revolving credit line, like a mortgage loan. As you can see above, those hard inquiries can drop your score by 10 points.

Still, you want to attack one of the “rules” that affects your credit the most:
  • Payment History (35%)
  • Credit Utilization (30%)

Related: Can Evictions Be Removed From Credit History?

How CanI Raise My Credit Score 10 Points Fast

Payment History: Correct Errors and Dispute 

This can be the easiest way to boost your score of 10 points. Most people’s credit reports are filled with errors. 

Incorrect information needs to be addressed and removed from your credit history for you and for creditors. Grab your credit report and scan them for erroneous info: inaccurate names, addresses, amounts, etc.

Getting a few of these knocked off your credit report can easily raise your score a few notches. All it takes is some searching and writing. 

Or, you can hire credit repair professionals to do it for you. They can pull up your credit and begin removing items. 

Also, depending on your financial situation, you can pay down your debts - bring everything current and get your boost there.

Related: Pay-For-Delete 

Need to clean up errors on your credit report? Click here to use this form to ask a creditor to take the necessary steps in order to clear up errors on your credit report. 

Credit Utilization: Get More Credit Than Debt 

There a few ways you can adjust your credit to debt ratio to reflect a more “stand up” applicant. In this case, your intention is just to raise your FICO score 10 points without spending more money.

  1. Ask For A Credit Increase: Call one (or all) of your credit providers and ask for a credit increase. Clients in good standing will have no issue getting an extra $1,000 or so, on an existing credit line. 
  1. Authorized User: Have a friend or family member with good standing credit and good payment history add you as an authorized user one or more of their credit cards. Their credit will then be seen as your credit, therefore increasing your credit to debt ratio and boosting your score. 

Related: Removing Student Loan Late Payments  

Get Consultation From These Credit Repair Companies 

Want Help Removing Items Off Your Credit Report?

Wrapping Up

We hope this post, "How Can I Raise My Credit Score 10 Points Fast", gets you closer to your goals quickly.

Although all credit reports are created differently, they are built under the same laws (listed above). 

And, you have the right to challenge any inaccuracies on your accounts so that the FICO laws are held to a standard.

So, good luck with your credit repair journey. 

James Willaims

Hey There, James here. I am the co-founder and editor of this site. I have over 10 years experience in business and 5 in the credit repair world