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® Scores 1 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
If you have thousands in debt and you’re barely making it paycheck to paycheck, you know how suffocating it is. Debt is always on your mind. It controls your life. And even if you make on-time payments, they’re so expensive that you have nothing left over.
A personal loan could help you get out of this situation and lift your monthly debt burden significantly. You could finally pay off all of your debt at once, get rid of the sky-high interest rates, and slash your debt load to one manageable monthly payment.
AmOne is a marketplace where you can find some of the best personal loans available. They match you with loans up to $50,000 with rates as low as 2.49%. That’s better than most credit cards. And easier than draining your bank account every month. Seeing what you qualify for doesn’t affect your credit score, and if you’re approved, you could get money the next day.
See why just 50 points on your credit score is so important
The housing market is red hot right now. And it feels like you need a near-perfect credit score to get approved for a mortgage. But if your credit is “iffy,” you might not be able to compete with other buyers — and you could even be completely rejected by lenders.
But did you know the difference between approval and denial could be a measly 50 points on your credit score?
Seems a little harsh. But raising your credit — even the teensiest bit — could finally put you in your dream home. Get started with Lexington Law Firm now and 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 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 $500 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 $500. To find out if you're losing up to $500 or more a year, just enter your zip code here, answer a few questions and see if you're overpaying. It takes less than 2 minutes.
Start building credit without a credit check
To build credit, some experts recommend you open a credit card account and pay it off every month. But it’s hard to get good credit cards if you’ve accidentally overspent in the past.
If you want to build credit the straightforward and affordable way, check out Kikoff.
Kikoff helps you build credit by establishing a payment history and maintaining a low utilization rate, with no fees or interest. Purchase the credit builder service for just $5/month 6 and you’ll get a credit line reported as $750 7 to Equifax and Experian every month.
On average, Kikoff users starting with credit scores of 600 and below see a boost of 58 points. 8 Just enter your email here and you could get instantly approved. No credit pull required!
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 1
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