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How Can I Raise My Credit Score In 24 Hours?

Updated: May 3, 2023


An industrious man with a pen poised on his lips and a credit graphic emblazoned on his back.

If you have bad credit, it can be hard to get approved for loans and other things. But with a little effort, you can raise your score in 24 hours and make it easier to negotiate terms on car loans and mortgages.


Here are a few tips:


Close any unused credit cards that you have.


If you have an account that is not being used and has a balance on it, close it. By keeping the account open, but not using it, you are still showing that you have access to funds and therefore can pay off debt if necessary. If possible though, try not to keep an unused card around as this may lower your overall available credit score (which could lead lenders thinking that there isn't enough money coming in).


If closing an account isn't possible because of contractual obligations with the company or other reasons such as needing a backup plan in case something happens where they need immediate access (like needing medical attention), then try using it sparingly until its paid off completely; this way lenders will see that there's no reason why they couldn't use their own money instead..


Pay your bills on time.


One of the most important things you can do to raise your credit score is to pay your bills on time. The best way to do this is by setting up automatic payments through an online account or by calling the company directly and asking them if they offer such a service. If they don't, then make sure that you write down all due dates in your calendar so that you don't forget!


By paying bills on time, you'll be showing lenders that you're responsible with money and not likely to default on loans. It also shows creditors that even if something unexpected does happen (like losing a job), then at least one aspect of life won't fall apart because it's been planned for ahead of time.


Improve your debt-to-income ratio by paying down debt and increasing your income.


The first step to improving your credit score is to pay down debt and increase your income.


This will improve the ratio of how much money you make versus how much debt you have, which will lead to a higher credit score.


  • Don't apply for too many new credit cards at once.

  • Open a few cards, and then wait six months before applying again. This will allow you time to build up your scores and lower the risk that the companies will deny your application because they think you're over-extended or high-risk.


Don't close all of your unused credit accounts suddenly.


You should never close all of your unused credit accounts suddenly. It's best to close them one at a time, in the order of oldest to newest. And don't close more than three at once; otherwise, it could look like you're trying to hide something from creditors (which could lower your score). If there are some accounts that have been open for years but aren't being used, consider closing them and reopening them later if necessary.


You can increase your score by paying off debts, making payments on time and having fewer open credit lines.


  • Paying off debts: Making regular payments on time will help you get rid of debt faster and improve your credit history.

  • Making payments on time: A large part of the FICO score is determined by whether or not you have paid bills within 30 days of their due date in the past 12 months. If you pay late consistently, this may negatively affect your score even if there are no other negative factors affecting it (e.g., high balances).

  • Keeping low balances: Credit card companies use a person's balance-to-limit ratio when determining their risk level; therefore keeping high balances could lead to increased interest rates or other penalties such as annual fees being charged before they should be applied (if at all).


There are many things that can be done to improve your credit score, but if you want to do it quickly then these tips should help. If you need more help or have questions about how to boost your score even more, contact us today!






Disclosure: For Change Financial only recommends products we would use ourselves. All opinions expressed here are our own. This page may contain affiliate links and we may earn a small commission, at no extra cost to you. Read our full privacy policy on our website.


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