3 Ways to Raise Your Credit Score in 90 Days or Less!

Pay your bills on time, pay down your outstanding balances to 25-30 percent of your total available credit and don't close any aged accounts. You've heard it before and you this time, you get it, but you need to raise your credit score now. So what can you do to rapidly raise your credit score? Pay attention and you will discover three ways you can increase your FICO score in 90 days or less.

Leverage Another Person's Good Credit History

We all know someone - Mom & Dad, Aunt Winnie or your boyfriend Bob - who has great credit . They always pay their bills before they're due and they never max out their credit cards. Wouldn't it be great if you could borrow their excellent credit history? Well, you can and here's how to do it. If dear old Mom & Dad or your favorite Aunt Esther adds you to their credit card as an authorized user, you can dramatically increase your credit score by having their great credit history added to your credit report. But, before you start sweet talking your relatives, there are a few things you need to know about the authorized user strategy, which is commonly known as "piggy backing". You need to be sure that the person actually has good credit and aged credit accounts that are at least 24 months old. Also, you want to make sure the credit card issuer will report to the authorized user's credit report - otherwise, its not going to help you increase your credit score. If their credit reports show 3 to 5 paid accounts that have been reporting for at least 24 months, you get added as an authorized user on those accounts and the credit card company reports to your credit report, their 24 months of excellent credit history gets added to yours in about 90 days.