7 Foolproof Credit Hacks to Boost Your Credit Score

credit hacks

When your credit score is down, the way back up looks daunting – but it doesn’t have to be. Getting back on top will require determination and a bit of craftiness, but with the right guidance, it is perfectly doable. Here are seven credit hacks that will boost your score in no time. Pay close attention to each one and apply those that you can right away – you’ll see your score rise!

1. Remove Old Debts

Even after a debt has been settled, it remains on your record. Removing old debts from your record, then, is an essential part of getting back on track. Nobody is collecting on your old mortgage any longer, of course, but it can impact you all the same. Because it is on the record, it is weighed against you when your credit is run. Removing this old debt means contacting the lenders, sending letters, and stressing the importance of it all.

2. Make Payments on Time

Making payments on time isn’t so much of a hack as it is just a simple rule to follow. By making your payments on time, you can ensure that your credit score continues to rise and show responsibility. Any slip-ups in this department deal heavy blows to your score, so it is essential that you stay up-to-date.

3. Up Your Knowledge

Credit education is an integral part of the credit building process. Understanding how credit works and how it impacts your life will give you an advantage to building a great score. And an excellent credit score can make it easy to buy homes and vehicles as well as lower interest rates. Taking the time to study credit will yield impressive results in your finances in the long run. This is one of those credit hacks you absolutely need.

4. Use Your Credit

If you have a credit card, get another one. Use credit as much as possible and make sure that it is a credit that you can afford to pay. The more you use your credit and pay it off on time, the better it reflects on your FICO score. Make sure to keep monthly receipts to track your purchases; you do not want to let anything slip-up.

5. Be Mindful of Mortgages

Purchasing a home is a great experience that can help you boost your credit score. With that said, mortgages can also hurt you as long-term payment plans can weight your credit score down. The impact is not as severe as you would think, but it is something to be mindful of. Talk to a specialist about the subject and see what is right for you.

6. Unused Cards

A credit card that is open but has not been used in a while can hurt your credit score. Any remaining credit cards, then, need to be closed. Ensure you are staying on top of your credit cards and are keeping track of which ones you are using. Control is in your hands in this aspect.

7. Keep Records

Keeping records of purchases made and cards paid up-to-date can provide an advantage you would not believe. Having your finances in order allows you to see patterns of success and understand how to repeat them.

Maintaining an excellent credit score is about discipline and repetition. Be your own auditor and continuously check up on your progress. You will be glad you did.  


For more information about how to apply these credit hacks to your credit score, contact Go Clean Credit to get back on the right track. We have various different credit repair programs that are offered to help you overcome your unique credit situation. Real credit restoration is not a one size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

Help is just a free phone call away or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today!

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