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Fastest way to raise credit score

I need to raise my score by 25 points fast to qualify. How can I do it? by smcnabb615 from Walhalla, South Carolina. Jun 29th 2020 Reply

Do you have a credit card? Usually paying down a revolving credit will increase your score the fastest.

Jun 29th 2020
David R Youngs - Branch Manager & Mortgage Advisor (DavidRYoungs)
#64 ranked lender in Minnesota - 87 contributions

As was commented on already, paying down revolving debt (credit lines) will likely be your best bet. Your CU (Credit Utilization) ratio makes up approximately 30% of your credit score, so this is why it can make such an impact. As a general rule of thumb you NEVER want to allow a credit card to exceed 50% of the limit (Example: If the card limit is $1,000, then $499 is the max that card should ever have to avoid a score decrease). The lower the balance, the better the CU ratio is and the faster your scores will increase. Keeping a balance under 10% of the limit will give you the greatest results. Another option would be to have a FREE consultation with a reputable credit repair company, who may have further suggestions for you on how to increase the scores, based on your specific profile. If you have additional questions, feel free to contact me at 651-497-6770 or email me at Thanks for the question!

Jun 30th 2020
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