Rapid Rescore

The best way to improve your credit score quickly is to get a rapid rescore.  To do this, you will need the help of a lender or mortgage company.  You will need to provide them with documentation that shows that the information in your credit file is incorrect.  They will then file the rapid rescore which will be reviewed within 48 hours.  Once this is done, your credit file will be updated immediately.  A rapid rescore is great, but it only works when you have errors in your credit file because you do have to provide documentation.

Pay Down Debt

Paying off debt is another great way that you can improve your credit score.  The reason this works so well is that 30% of your overall score is determined by your credit utilization ratio.  This is the relationship between how much you owe on your credit cards and how much your limits are.  To have the best possible score, you need to owe less than 25% of your credit limit on each of your revolving accounts.

Become an Authorized User

If you have a spouse or parent that has good credit, you can improve your credit score by having them add you as an authorized user on their account.  Ideally, choose a card that is more than three years old that has a high limit and low balance.

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