A hacker can do wonders increasing the level of your credit score by fixing the errors due to which your credit score turned down, ***@GMAIL.COM**.** Hacking your way to good credit doesn‘t need to be a mystery. Here‘s the ultimate guide to credit score hacks that can help you increase your credit quickly
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An Uncomplicated Guide to Hacking Your Perfect Credit Score
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A credit hack that’s not nonsense.
Most of you who have been reading this blog for a while know that I prescribe a very detailed and specific method for improving your credit score quickly – but I also have some credit hacks to best optimize your FICO credit score.
It basically boils down to removing negative items from your credit report and rebuilding your credit with a secured credit card.
That said, there are other less-known methods for improving your credit score and these techniques work even for people with good credit scores.
Keep reading because I’m going to give away all my secrets.
6 Credit Hacks to Raise Your Credit Score
Here are my top 10 credit hacks to help you improve your FICO score. Just to be clear, I’ve used most of these methods myself and it’s resulted in my nearly perfect 836 credit score.
1. Keep 3 Major Credit Cards
I’ve been experimenting for several years on how many credit cards to keep in order to maximize my credit score. To be completely honest, it’s somewhat subjective because the credit score algorithm takes so many variables into account.
That said, I’ve personally found that keeping at least 3 major credit cards open will yield the best results.
I should also note that you don’t have to regularly use all three credit cards. Use at least one of these major credit cards regularly and don’t keep a very big balance (more on this later).
2. Pay Down Your Installment Loans
Another thing I’ve experimented with is how installment loan balances affect my credit score. By installment loans, I mean loans such as student loans, auto loans, etc.
Interestingly, I’ve found that paying down loans as quickly as possible will result in a credit score increase.
Paying off debt can be a challenge, but if you’re in a position to do it, I recommend this as a way to optimize your credit score.
3. Optimize Your Credit Utilization
As a general rule, I recommend keeping your credit card balances under 25% of your available credit limit. Optimizing your credit utilization will have a big impact on your credit score.
Credit card balances are usually reported to the credit bureau every month, which is great because you have the opportunity each month to get your balances right.
4. Increase Your Credit Limits
This hack sort of plays off the last one. If you are unable to pay down your credit card balances so the utilization is another option you have to increase your credit card limits.
By increasing the limit on a credit card, you will automatically improve your credit utilization. For example
One thing to keep in mind when requesting a credit limit increase is that it will result in a hard inquiry on your credit report, which might result in a small ding on your credit score. It’s generally not a big deal.
5. Use the Advanced Dispute Method to Remove Negative Items
One technique for removing negative items from your credit report is to use an advanced method for disputing inaccuracies on your credit report.
I’ve used this method several times to remove negative entries from my credit report back when I had bad credit. Get a copy of your credit report and find the entry you want to remove. Meticulously look over the entry and find anything that might be inaccurate.
Once you find something that’s not accurate, you can dispute it with the credit bureaus. When you write the dispute letter, be sure to specifically outline what is inaccurate.
6. Use a Professional to Remove Negative Items From Your Credit Report
There are basically two ways to remove negative entries on your credit report. The first way is to use various methods to get the entries removed yourself (the do-it-yourself way). Your other option is to have a credit repair expert or hacker attempt to remove the negative entries. They will obviously charge a fee, but they are generally faster when it comes to removing negatives.
Hire a hacker to increase your credit score and get a loan from financial centers without a problem. But finding the right person is of utmost importance to keep your credentials safe. For this, I suggest you check out ***@GMAIL.COM**.** They’ll take care of you.