6 Simple Ways to Help Improve Your Credit Score

Last updated Sep 28, 2021 | By FinanceBuzz Editors
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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 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

Use this site to see what’s holding you back from an 800+ credit score

Imagine having an 800+ credit score. A score that's nearly perfect. A score that lets you get any loan or credit card you want. A score that gets harsh debt collectors off your back so that you're never harassed on the phone again.

We know… it sounds like a dream. But the one thing keeping many people from their best credit score is not having access to the most up-to-date version of their credit scores possible. In fact, many credit scores aren’t totally accurate. And without accuracy, how can you work towards a score that opens up opportunities for the best credit cards, loans, and interest rates?

Click Free Score gives you access to the most reliable and accurate version of your credit scores today. They deep-scan all three major credit bureaus to bring you the most trustworthy report, so you can know exactly what you need to do next. The best part? Using it will not affect your credit.

See your scores 

Build your credit with a debit card

Bad credit history? That means credit anxiety… and not getting approved for things like car loans or apartment leases. But if you aren’t using the Extra Debit Card, you’re missing out. It lets you build your credit history every time you spend money. Don’t worry though… it’s an easy fix.

Extra helps you build credit history every time you swipe your card. Just sign up by connecting your existing bank account, and they’ll give you a spending limit based on your bank balance. No credit check is required. Then, just spend like normal. At the end of the month, they total up all of your transactions and report them to credit bureaus as credit-worthy payments.

In addition to building your credit history, you also get perks just like a credit card. You can earn up to 1% in points for everyday purchases like rideshares, coffees, and your phone bills. And there are no credit checks, interest rates, or deposits required. 

Start building credit 

Get out of $25,000 or more in debt

If you're struggling to make credit card or medical bill payments already, Freedom Debt Relief will work with your creditors to reduce debt and get your finances back on track without needing a loan.

You could resolve your debt in as little as 24-482 months with one low interest monthly payment, even if you don’t have great credit.

Freedom Debt Relief is America's largest debt company and has settled over $10 billion in debt and served over 750,000 clients.

Get your quote from Freedom Debt Relief

Crush your debt with a historically low interest loan

If you’re looking for a chunk of change and earn more than $20,000/year, a personal loan could be a good option.

Our partner AmOne will match you with loan providers to fit your specific needs. In only 2 minutes, you could get matched for a loan up to $50,000 and rates as low as 2.49%.

Why not see if you qualify? It will NOT affect your credit score.

Get a loan offer here

Start working towards a 700+ credit score

If you want to buy a house, car, or make any other important purchase, it pays to have good credit. But what if you have damaging errors on your report, keeping your scores down? 

Credit help might be a good option to consider.

If you’re not sure where to start, Lexington Law might be able to help. They’re leaders in credit help and know the laws and steps you need to take to work towards improving your credit.

Get started with their free credit report consultation, and they’ll provide you with a free credit score, a credit report summary, and recommendations on how to work to improve your credit. If you find it’s right for you, pricing starts at just $89.85 per month and you could start your journey to improving your credit.

Start working to improve your credit

Cancel your car insurance

We’ve got bad news. You could be wasting $500 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 Savvy can tell you if you’re overpaying for your car insurance in just a few clicks. On average, we find around $500 a year in savings for drivers. 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 $500. To find out if you’re losing up to $500 or more a year, just log in your current insurance company here, and instantly check the best insurers for a better deal. It takes less than 2 minutes.

See if you’re overpaying

Experian Boost Benefits

  • Get credit for making on-time payments for your utility bills and streaming services
  • 100% free and new credit scores take effect immediately
  • Get your credit scores for free
  • © 2021 Experian