The fastest way to raise your credit score is by reducing your balance to credit ratio.
1 The most effective way to improve your credit scores in this area is by paying down your revolving (credit cards) debt. 2  In fact, owing the same amount but having fewer open accounts may lower your scores. 3  Don't close unused credit cards as a short-term strategy to raise your scores. This category contributes 30% to a FICO Score's calculation and can be easier to clean up than payment history, but that requires financial discipline and understanding the tips below. 1  Keep balances low on credit cards and other revolving credit. 2  High outstanding debt can affect a credit score. 2. Request a credit line increase. Increasing your credit line will improve your credit utilization ratio, which is the percentage of your credit limit you’ve used, and help your credit score. Many credit card issuers give you the option to request a credit line increase without a credit inquiry. Take it Add Credit. Building a bigger and better credit history can improve your FICO score within weeks or months. If you don't already have a credit card, get one, but be careful how you use that plastic. Part of your credit score comes from how close to your limit your balance is. You may want to get a secured card if you have no credit history or have a poor credit history — basically, if you can’t get any other kind of credit card, this is your ticket to getting your credit score up. How things progress from that point depends heavily on what’s in your past. If you’re trying to build credit for the first time or improve a credit score damaged by past financial problems, you may have heard advice about using a secured credit card. Using a secured card can be an effective way to establish a positive credit history, but it’s not a one-size-fits-all strategy. If you want to use credit or get a loan someday, you should work on raising your credit score. It can take a while to earn a good credit standing, and for the most part, that's how the game is played: with patience and good behavior. But there are a few tricks to make it easier or faster to increase your credit score. If you have no credit or can't get a credit card on your own, explore the option of becoming an authorized user on a credit card. What you do is ask a primary cardholder, like a family member or significant other, if you can get an authorized card in your name on their account. But if you’re trying to boost your credit score quickly, you should start by paying off the credit card with the lowest available credit limit. For example, say you have two credit cards. One credit card has a $1,600 limit with a $400 balance, which means 25 percent of your available credit is being used. Ask for a credit line increase. Your credit utilization ratio, mentioned briefly above, is something lenders use to see how you’re managing your available credit. For example, if you have a $15,000 available credit limit and a $400 balance, you’re utilizing little of your available credit, so you look strong. 1 Keep balances low on credit cards and other revolving credit. 2  High outstanding debt can affect a credit score. 3  Pay off debt rather than moving it around. 4  The most effective way to improve your credit scores in this area is by paying down your revolving (credit cards) debt. This category contributes 30% to a FICO Score's calculation and can be easier to clean up than payment history, but that requires financial discipline and understanding the tips below. 1  The fastest way to raise your credit score is by reducing your balance to credit ratio. For example, if you have a $5000 limit credit card, but owe $4900, that will kill your score. Reducing that balance down to 0 or even $1000, would likely cause a jump of 40+ points or more in your score. The first simple and fast tip to raising your credit score is by increasing your credit card limits. If your balance is $4900 on your $5000 limit card, your balance to credit ratio is nearly 100%. By raising your limit to say $8000, your score will jump because you now don’t look as stretched on your report. 1 High outstanding debt can affect a credit score. 2  Pay off debt rather than moving it around. 3  The most effective way to improve your credit scores in this area is by paying down your revolving (credit cards) debt. 4  In fact, owing the same amount but having fewer open accounts may lower your scores. This category contributes 30% to a FICO Score's calculation and can be easier to clean up than payment history, but that requires financial discipline and understanding the tips below. 1  Keep balances low on credit cards and other revolving credit. 2  While it takes seven years for most derogatory items on your credit report to be removed, there are a few things you can do to raise your credit score sooner. Pay off your credit card balance. This is the easiest way to improve your credit score quickly. One of the major factors of your credit score is how you are using your credit. A big factor of that is your credit utilization ratio. This ratio compares your overall credit limit with the amount of credit you are currently using. 
http://www.myfico.com/CreditEducation/ImproveYourScore.aspx http://money.usnews.com/money/personal-finance/articles/2015/06/23/10-simple-ways-to-raise-your-credit-score http://budgeting.thenest.com/fast-can-increase-fico-score-21042.html http://blog.credit.com/2015/02/how-fast-can-a-secured-credit-card-improve-my-credit-109297/ http://abcnews.go.com/Business/perfectly-legal-hacks-improve-credit-score/story?id=23071180 http://www.csmonitor.com/Business/Saving-Money/2012/1201/Eight-surprising-ways-to-raise-your-credit-score http://www.myfico.com/CreditEducation/ImproveYourScore.aspx http://www.debtkid.com/raise-your-credit-score-fast-without-paying-a-dime-off http://www.myfico.com/CreditEducation/ImproveYourScore.aspx http://www.huffingtonpost.com/simple-thrifty-living/3-ways-to-improve-your-cr_b_5625447.html
how can i increase my credit score fast