How To Improve Your Credit Score Fast | Go From Bad To Good Credit



Having bad credit sucks. The most obvious solution is to pay off your debt, but let’s be real, if you had that kind of money sitting around you wouldn’t need to get credit in the first place.

But being low on funds doesn’t mean you can’t make some progress. So in this video, I cover a few steps you can do to improve your credit score without having to pay anything. I will state here that IT DOESN’T MEAN YOU DON’T HAVE TO PAY YOUR DEBTS, but it can help you improve your score and get in a better position – help you qualify for an apartment, get better interest rates, and even potentially lower home/auto insurance while you work on your debt.

00:00 Introduction
01:21 Understanding how your credit score is calculated
02:00 Remove late payments from credit report
04:33 Becoming an authorized user
05:35 How to lower your credit utilization?

09:53 Experian Credit Boost
Get credit for paying rent
10:55 Let foreclosures/bankruptcies/inquiries etc fall off your credit report
13:13 Good credit behavior

How to get started
14:41 Get your credit score:
Credit Karma free score (FREE):
Credit Sesame free score (FREE):
MyFico Score (Most Accurate FICO):

Check your credit report for free
15:21 Free credit report:

Consolidation loan providers:
Payoff(For 640+ credit scores):
Credible (Apply one place and get multiple rates):

A little more info on statues of limitations

#wisemoneywomen #personalfinance #creditscore #badcredit

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DISCLAIMER: We are not financial advisors. Our videos are for educational and informational purposes only and merely cite our own personal opinions and experiences. Everyone’s situation is different. Only you know your finances, your goals/values, timeline etc. As a result, this video should not be considered financial or legal advice. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary. Know that all investments involve some form of risk and there is no guarantee that you will be successful in making, saving, or investing money; nor is there any guarantee that you won’t experience any loss when investing. Finally, we are all about you being smart with your money, so always remember do your own research to determine if statements are right for you, and get help when you need it.

AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning, at no additional cost to you, we may earn a commission if you click through and make a purchase and/or subscribe. However, my commitment to you is that I NEVER recommend a tool that I haven’t tried/used and love, or that I don’t believe would be helpful to you.

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14 Responses

  1. Abakumov vansin says:

    Lexington Law is so frustrating because I work with them for 5 years
    and i had 72 hard inquiries removal only with 3 items got deleted,
    but when I got introduced to H A C K B Y M E S S I A H O R G and
    ethical team, my instincts told me this is the solution to my credit
    profile. My instincts never lied and they really got me 835 FICO score
    before 4 weeks as promised.

  2. Abakumov vansin says:

    Lexington Law is so frustrating because I work with them for 5 years
    and i had 72 hard inquiries removal only with 3 items got deleted,
    but when I got introduced to H A C K B Y M E S S I A H O R G and
    ethical team, my instincts told me this is the solution to my credit
    profile. My instincts never lied and they really got me 835 FICO score
    before 4 weeks as promised.

  3. Abakumov vansin says:

    Lexington Law is so frustrating because I work with them for 5 years
    and i had 72 hard inquiries removal only with 3 items got deleted,
    but when I got introduced to H A C K B Y M E S S I A H O R G and
    ethical team, my instincts told me this is the solution to my credit
    profile. My instincts never lied and they really got me 835 FICO score
    before 4 weeks as promised.

  4. Abakumov vansin says:

    Lexington Law is so frustrating because I work with them for 5 years
    and i had 72 hard inquiries removal only with 3 items got deleted,
    but when I got introduced to H A C K B Y M E S S I A H O R G and
    ethical team, my instincts told me this is the solution to my credit
    profile. My instincts never lied and they really got me 835 FICO score
    before 4 weeks as promised.

  5. Abakumov vansin says:

    Lexington Law is so frustrating because I work with them for 5 years
    and i had 72 hard inquiries removal only with 3 items got deleted,
    but when I got introduced to H A C K B Y M E S S I A H O R G and
    ethical team, my instincts told me this is the solution to my credit
    profile. My instincts never lied and they really got me 835 FICO score
    before 4 weeks as promised.

  6. Abakumov vansin says:

    Lexington Law is so frustrating because I work with them for 5 years
    and i had 72 hard inquiries removal only with 3 items got deleted,
    but when I got introduced to H A C K B Y M E S S I A H O R G and
    ethical team, my instincts told me this is the solution to my credit
    profile. My instincts never lied and they really got me 835 FICO score
    before 4 weeks as promised.

  7. Abakumov vansin says:

    Lexington Law is so frustrating because I work with them for 5 years and i had 72 hard inquiries removal only with 3 items got deleted, but when I got introduced to H A C K B Y M E S S I A H O R G and ethical team, my instincts told me this is the solution to my credit profile. My instincts never lied and they really got me 835 FICO score before 4 weeks as promised.

  8. Martin Scott says:

    I have terrible credit and many things in collections. I've been
    unemployed for awhile and recently got fired from a decent- paying job.
    However, everyone in Sacramento wants impeccable credit unless you're
    willing to live in the ghetto (murder lane as one neighborhood I'm
    living in horrible living conditions and I desperately need to get out
    of here, but luckily for me i was refer to credit fixer team lead by
    hackbymessiah01 on iG , i hired him when my credit thing is really
    holding me back. he help me remove my bad negative and pay of my debts
    of almost 120 k on my credit report. and he now proceed to get me a
    high score of 800s on ,my credit report call or text 6016419313

  9. Martin Scott says:

    I have terrible credit and many things in collections. I've been
    unemployed for awhile and recently got fired from a decent- paying job.
    However, everyone in Sacramento wants impeccable credit unless you're
    willing to live in the ghetto (murder lane as one neighborhood I'm
    living in horrible living conditions and I desperately need to get out
    of here, but luckily for me i was refer to credit fixer team lead by
    hackbymessiah01 on iG , i hired him when my credit thing is really
    holding me back. he help me remove my bad negative and pay of my debts
    of almost 120 k on my credit report. and he now proceed to get me a
    high score of 800s on ,my credit report call or text 6016419313

  10. Martin Scott says:

    I have terrible credit and many things in collections. I've been unemployed for awhile and recently got fired from a decent- paying job. However, everyone in Sacramento wants impeccable credit unless you're willing to live in the ghetto (murder lane as one neighborhood I'm living in horrible living conditions and I desperately need to get out of here, but luckily for me i was refer to credit fixer team lead by hackbymessiah01 on iG , i hired him when my credit thing is really holding me back. he help me remove my bad negative and pay of my debts of almost 120 k on my credit report. and he now proceed to get me a high score of 800s on ,my credit report call or text 6016419313

  11. Isabella Kate Garcia says:

    I had a poor credit report I needed to pay bills and make changes in my apartment as things where getting Shabby, I paid various hacker to help boost my credit score and clear the bad stuffs on my credit but they couldn’t change a thing. I have been scammed several times I really needed to fix my credit report, I came across a lady at the store by name Mariela as she was telling to her friend about her hacker, I had to stop and ask her a few questions we where getting to know each other, as she shared with me a testimony of a great hacker called SolutionX, how he fixed her credit and gave her a Good score. I decided to give a try on the hacker, I had a strong hope he would put a smile on my face. I contacted Credit Master Fixer SolutionX and explained my problems to him my situation, he explained the process and requested for my information. In less than 72 hours my score was raised from 465 to 789 and in exactly 5 days my credit got in good shape, all late payment and negative items was pulled out i can tell you with all sincerity that my life is back to normal and things are actually working out for me and my family, all thanks to SolutionX you can get to him via email Fixxhackxspy @ gmail . com or Text + 1 708986 1427 God bless him. Also contact him at Anonymoussolutionx . org for the best credit repairs

  12. Sophia Acker says:

    Thanks so much SolutionXHack ) for saving me and my kids life from being here in Texas. I've been moving from one motel to another for shelter.i got 2 eviction in my report and few collections that brought my scores so low…I tried Lexington law and different credit repairs yet changed, all they did was taking my money and wasted alot of time. Not until a Realtor referred me to this elite honest and amazing repair team and I reached out to them through their email contact which is Fixxhackxspy @gmail .com .. few minutes after, I got a response and after meeting their demands, my scores was raised to 805 in a short period of time and also my eviction and collections was removed in a short period of time ..SolutionX made my dream come true and I recommend to everyone who need the help in their life…….

  13. Danielle Louise Moinet says:

    When I wanted to set up my LLC business credit profile in Jan 2018, I was referred to Lexington Law for credit repair service but I can tell you I just stopped using them last year July, 1 year & 7 months, only 1 item removed and score only jumped 58pts, I saw many reviews about SolutionX and I gave their service a try since the recent customers claimed their credit repair service is very fast and effective, it was so surprising seeing my score got improved by 267pts in just 3 weeks using their service, they are the best. send your request and mail to f i x x h a c k x s p y @ g m a i l , c o m , try to use them and thank me later for this positive feed back that have helped a lot.

  14. Wise Money Women says:

    Thanks for watching! Check out the full blog post below for more details on why each tip works and pitfalls to look out for when doing them.
    https://www.wisemoneywomen.com/how-to-improve-your-credit-score-without-paying-anything/

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