I know this post is nearly three years old but I was desperately trying to figure out how to raise my credit score a little faster than usual. I would just like to say that everything he posted I tried and it worked for me. I have raised my score 50 points in just one month! I still have a long way to go, but now that I know what to do, I see it only going up from here.

The key point here, however, is that you can’t go into repair expecting to improve your score by a certain amount. Scores are highly specific to an individual, so changes vary based on your credit history, the number of other penalties you have and where your score was before the item was removed. This is why score improvement guarantees typically indicate a scam.
Start with derogatory marks like collection accounts and judgments. It's not uncommon to have at least one collection account appear on your report. I had two from health care providers I used after having a heart attack; my insurance company kept claiming it had paid while the providers said it had not, and eventually the accounts ended up with a collection agency. Eventually I decided to pay the providers and argue with the insurance company later, but both collections wound up on my credit report.

3) Make sure your payments on any debt and other bills like rent and utilities are on time going forward. After all, payment history is the biggest factor in calculating your credit score. You might also be able to get letters of recommendation from these companies when you apply for credit. For those reasons, you may want to consider having your payments automatically deducted from your checking account. Just be sure not to overdraw the account. If you do miss a payment, contact the creditor as soon as possible and ask if they would be willing to remove the late payment from your account as a courtesy and gesture of good will.


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If your lenders are willing to work with credit repair agencies: The credit repair agencies that have been doing this for a while know the tricks of the trade, so they have the experience to negotiate with your lenders on your behalf. Does this always work? No. Some lenders don’t like working with credit repair services. Some lenders aren’t willing to negotiate. However, for the lenders who are willing to listen, this is a good way for credit repair services to raise your score.
In general, older consumers have higher credit scores than younger generations. Credit scoring models consider consumers with longer credit histories less risky than those with short credit histories. The Silent Generation and boomers enjoy higher credit scores due to long credit histories. However, these generations show better credit behavior, too. Their revolving credit utilization rates are lower than younger generations. They are less likely to have a severely delinquent credit item on their credit report.
I would disagree with this option, as a credit analyst its my job to investigate credit and determine customer eligibility for loans etc... typically creditors do not look for a card thats been used 1 time for $15 then never used again this kind of credit is disregarded and or not taken seriously. When we look to approve a consumer we look at several factors and what that makes a large impact is how they make their payments, the balance currently on all their revolving and installments and the history of payments. if you only charge a tiny amount and pay it off its going to show no history and therefore not be a heavy influence. in fact if you can handle it it is good to sometimes charge the card near max but then pay it off super fast. yes this well temp drop score however. it will show creditor your applying for that you can handle larger amounts and that you pay them down good and fast. 
Rent payments are not included in your credit reports unless a special allowance is made to include them. In most cases, rent along with utility payments, never appear on your reports. So, a missed rent payment won’t negatively impact your credit. Court judgments, such as unpaid child support, collection accounts and tax liens all appear as public records in your credit report.a) Missed rent payments
I also don’t recommend trying this if you have missed payments with the issuer or have a downward-trending score. The issuer could see your request for a credit limit as a sign that you’re about to have a financial crisis and need the extra credit. I’ve actually seen this result in a decrease in credit limits. So be sure your situation looks stable before you ask for an increase.
6) After your payment history, the next most important factor is the amount of your credit that you use. Pay down as much of your credit card debt as possible and avoid closing credit cards because what matters is the amount you owe as a percentage of your total amount of credit. However, opening a lot of accounts in a short period of time to increase your available credit could actually hurt your score.
Reducing your balances on credit cards and other revolving credit accounts is likely the better option to improve your credit utilization rate, and, subsequently, your credit scores. Consistently making on-time payments against your debt will also help you build a positive credit history, which can have additional benefits for your credit history and, by extension, your credit scores, too.
Raise your credit limit. Request that your lenders increment your point of confinement. Be cautious with this one, however: It works just on the off chance that you can believe yourself not to expand your ways of managing money in like manner. Else you’ll be appropriate back to utilize most of your credit every month and of course, it won’t look fix your credit fast.

9) To help protect your credit from identity theft, consider contacting each credit bureau to put a security freeze on your credit. This prevents opening a new line of credit in your name until you unfreeze it and is generally more effective than using a temporary fraud alert. Depending on your state, freezing your credit would cost just $10 or less per bureau and up to another $10 to unfreeze it. Even a credit freeze isn't fool-proof though so you might also want to purchase a more comprehensive identity theft protection service.
This is easier said than done, but reducing the amount that you owe is going to be a far more satisfying achievement than improving your credit score. The first thing you need to do is stop using your credit cards. Use your credit report to make a list of all of your accounts and then go online or check recent statements to determine how much you owe on each account and what interest rate they are charging you. Come up with a payment plan that puts most of your available budget for debt payments towards the highest interest cards first, while maintaining minimum payments on your other accounts.
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