You can increase your score by 30 points in a reasonable amount of time. In 30-60 days you can make it happen but you will have to take action asap!

It may take you a week or a few days just to get some paperwork, documents, people in order to execute the points we discuss below. 

Nothing is overnight, it will take you more than a night to transfer money, speak to professionals, write letters, or call any banks or lenders.

In ‘how to raise credit score 30 points’ we will show you a few action points that will only require you to make a call to move the needle. 

How much your score will increase all depends on where you started, but you can move the needle. 

Want Help Removing Items Off Your Credit Report?

How To Raise Credit Score 30 Points

Before making any of these moves, get a copy of your credit report so you know what you’re working with. 

You are entitled to a free report every 12 months from the credit bureaus: Experian, Equifax, and TransUnion.

Grab the report from, it will breakdown where you have space to maneuver. 

Dispute All Credit Report Errors

Scan your credit report for errors and begin the disputing process. Look closely for any inaccurate information (dates, names, etc.) 

Those inaccuracies affect your credit report/score, so it is your right to dispute them with each credit bureau. 

You can also get a credit agency to write those dispute letters on your behalf.

Ask For A Credit Increase

In learning how to raise credit score 30 points, a big portion of this all is lowering your credit utilization below 30%.

Getting a higher credit limit will add to your Credit Utilization Ratio. You can lower your credit utilization a few ways, but this way, you won’t have to spend money. 

People in good standing will often be approved for a credit increase. The trick is you don’t want to use this increase in your credit line.

It's a numbers game. You just want to get your credit to debt ratio to decrease, which can increase your credit score. 

Get Free Consultation 

Call any one of these top three credit repair companies for a free consultation and see how they can help you. And, how you can help yourself. 

Get Consultation From These Credit Repair Companies 

Become An Authorized User 

Recruit a friend or family member with Exceptional credit to add you as an Authorized User on their credit lines. 

This is another credit utilization play. Them giving you authority doesn’t mean you have access to use their credit, its just on paper. 

So, similar to requesting a credit increase on your own accounts, you will seemingly have a credit increase based on someone else credit lines. 

*Their credit doesn’t HAVE to be Exceptional, but a higher credit score it’s always better.

Related: How long does it take to improve credit score 100 points


Add To The Credit Mix (Optional)

Add to your credit mix means add diverse lines of credit. You want to have a mix of revolving and non-revolving credit/loans.  

So, you may want to add a mortgage or a car loan to your credit report. 

This move is optional because the initial inquiry the lenders make (a hard pull or hard inquiry) will drop your score temporarily.

Once you are approved it may very well improve your score a few points

Related: Does pay for delete increase credit score

how long does it take to add 30 points to your credit score? you can make these changes and Improve your score in a month/ few weeks.

Good Luck Moving Forward

We hope this little guide on how to raise credit score 30 points, gets you on the road to boosting your CS by 50+ points.  

If you're struggling with a low credit score, you have a better chance of raising your score at a quicker rate.

All the points listed above are useless if you don’t do the bare minimum listed below:

  • Pay Bills On Time
  • Keep Accounts Open 
  • Monitor Your Credit Report 
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