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Having bad credit today doesn't doom you to have bad credit forever. It just means you've got a little work to do in order to see your credit score rise. By taking control of your finances and making smart moves, better credit can be in your future.
Luckily, there are new tools that can help you build better credit. Some could even help you improve your credit score today. We've rounded up some of our favorite ideas for anyone who is ready for better credit.
Increase your credit scores instantly, for free
Your credit scores affect whether you can get approved for a loan, a credit card, or even a new job. Usually it can take weeks or months to improve your credit scores, but there's an innovative new feature that could help you raise your FICO® Scores1 <p>Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. <a href="https://www.experian.com/help/information.html?conf=ecs_ficoScoreDisclosure" target="_blank">Learn more</a>.<br></p> instantly.
Experian Boost® can help you get credit for making on-time payments for your phone and utility bills. The process takes just minutes and if qualifying payments are identified, you can include this positive information in your Experian credit file. (Don't worry: If you have any negative marks, those won't count against you.)
Since launching, Experian Boost has collectively increased FICO® Scores across America by over 10 million points. It's 100% free and new potential credit scores take effect immediately.
Sign up for Experian Boost now
Borrow up to $50k to finally crush your debt
Looking for some cash to pay off credit card debt? A personal loan could help.
Our partner AmONE will match you with loan providers to fit your specific needs. Just fill out one quick application and they’ll show you multiple loan offers. There's no fee and no minimum credit score needed to see your rates.
Why not check if you qualify? As long as you’re approved, you could receive your loan as early as the next business day.
Cancel your car insurance
We've got bad news. You could be wasting $600 every year on overpriced, second-rate car insurance. And you should probably cancel your existing insurance right now, because there's something much better.
This new tool from FinanceBuzz can tell you if you're overpaying for your car insurance in just a few clicks. We match drivers with companies that report saving drivers up to $600 or more per year when they save! Each driver’s savings will vary by driving history and how many discounts you’re eligible for. And once you try it out, you'll never have to look for affordable insurance again because we find you the lowest rates that other companies can't match.
Oh, and it's also free. And come on — you can't tell us you don't want to save up to $600. To find out if you're losing up to $600 or more a year, just answer a few questions, and then make sure to enter your zip, email, and phone, to see if you qualify for a lower rate. It takes less than 2 minutes.
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Experian Boost Benefits
- Get credit for making on-time payments for your qualifying rent, utility bills, and streaming services2 <p>Results will vary. Not all payments are boost-eligible. Some users may not receive an improved score or approval odds. Not all lenders use Experian® credit files, and not all lenders use scores impacted by Experian Boost®. <a href="https://www.experian.com/help/boost-disclosure.html">Learn more</a>.</p>
- 100% free — no credit card required
- New credit scores take effect immediately
- FICO® Score refreshed every 30 days upon sign in and one free personal privacy scan