Let’s learn how to get a 700 credit score in 90 days. Depending on where you begin, and your history you can improve your credit score 100-200 points in 3 months’ time.

90 days is a short amount of time, but it is enough time to make significant changes as long as you act now!

It may take you a week or so just to get organized. You will need to have your credit report, call a friend, and fill out some applications.

Remember, there is no way you can get unstuck if you don’t follow the basics:

  • Pay bills On-time 
  • Budget 
  • Monitor Your Credit  


5 Steps: How To Get A 700 Credit Score In 90 days

1. Get A Credit Builder Loan

Credit builder loans are sometimes called “fresh start loans,” which are typically small personal loans for about $500 to $1,000. 

You will make monthly payments with interest over about six months to two years. 

Those payments are reported to the credit bureaus and, if made on time, can improve your credit score.

Although credit builder loans function much like any other loan, there’s one major difference. 

To limit risk, the lender puts the money you borrow into a savings account, which you can only access once the loan is paid off.

 

2. Authorized User

Find a friend or family member that will allow you to be an authorized user. The primary account holder (your friend) just needs to add you to their accounts. 

You want this to increase your credit-to-debt ratio aka credit utilization ratio. When looking for someone to help you, let them know that you do not have to have access to that credit. 

You don’t need a card or use their credit to purchase anything. Just make sure they are in good standing with their lenders.

Outside of what's outlined above, adding an authorized user will not have other effects on the credit score. 

As a matter of fact, your credit history won't even specifically note that an authorized user was present on your credit account.


3. Get Secured Credit Cards

Opening a secured credit card is relatively easy. Once open, the credit card works like any other. 

Your credit limit, balance, and payment information are reported to the three major credit bureaus. 

The only difference: If you fail to pay your credit card on time, the bank can take your deposit and apply it toward the debt.

But, it may be essential in figuring out how to get a 700 credit score in 90 days


4. Dispute & Remove Negative Items and Errors

In the old days, you had to write letters to the credit bureaus if you wanted to dispute errors. Services like Ovation Credit do it for you.

We'll start with derogatory marks like collection accounts and judgments. It's not uncommon to have at least one collection account appear on your report. 

I had two from health care providers I used after having a heart attack; my insurance company was extremely slow to pay and kept claiming it had paid while the providers said it had not,  and eventually the accounts ended up with a collection agency

At that point, I decided to pay them right away and argue with the insurance company later, but both collections wound up on my credit report.


5. Apply For Catalog Credit Cards

Catalog credit cards include the Horizon Gold Card, Unique Platinum Card, and Fingerhut Credit Account, among others. 

Catalog cards, also known as Merchandise cards, are targeted to people with bad credit and have minimal requirements in order to qualify. 

Applicants must have an active checking account and proof of income. In most cases, they don’t require credit checks.

      

Good Luck Moving Forward

Take action, ASAP. Knowing how to get a 700 credit score in 90 days and getting to that 700 point milestone are two different things.

Cheers! 


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