In this video, you will learn how to build your credit score fast, even if you don't have any credit at all yet.

Credit is something we all need if we want to get an auto loan, rental car, mortgage, and in some cases a better job.

Unfortunately, they don't teach you how to build credit in school and so many of us have to just figure out as we go through trial-and-error.

So you don't have to go through this, I've researched the best credit score strategies recommended from top CPAs and money experts.

These strategies will teach you how scores are formulated, how to improve them, and how to know if it is actually good or not.

Enjoy the video and let me know what you think in the comments below!

Here are the 9 best strategies for improving credit fast:


1. Understand credit reporting elements

Helpful resources and tools:

credit score numbers

Credit to the above picture: Colorado Mortgage Center

credit score breakdown

Credit to the above picture: Free Template Downloads



2. Use less than 30% of available credit

Helpful resources and tips:


3. Keep the same card and use it for years

Helpful resources and tips:



4. Don’t be 30 days or more late on payments

Helpful resources and tips:

  • Less than 30 days late = no score effect, but possible late fees and higher interest
  • 30 days late = up to 9 months score effect
  • 60 days late = up to 3 year score effect
  • 90 days late = up to 7 year score effect



5. Focus on fastest credit building loans

Helpful resources and tips:



6. Avoid department store cards

Helpful resources and tips:



7. Minimize new credit inquiries

Helpful resources and tips:



8. Avoid point-of-purchase credit card offers

Helpful resources and tools:



9. Employ a good credit reporting service

Helpful resources and tools:



Clarification: Does checking your credit score decrease it?

  • Checking your score does not decrease it as long as it is a soft inquiry. Hard inquiries (like for refinancing a house) might lower it a few points.



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    4 replies to "How to Build Credit Score Fast From Scratch – 9 Strategies"

    • Chris

      Thanks for sharing this. I am doing everything I can to have a good, above average credit score.

    • emilly sanders

      This is very informative.Well I am so so pleased to have come in contact with this credit repair team.I contacted him through a blog and I am well impressed with his services,my score is at an all time high of 794 and all my negative collections and late payments have been removed from my credit profile,what else could i wish for??
      If you need his services mail to “fixcardtech@gmail com” and let him know a previous client referred you.

    • hogberg jahnsen

      Just filled with joy right now, never knew my credit could be revived/repaired this fast, not at all. I just decided to search online with blind faith that i was going to find someone or something that could help. Shortly i came across creditmasterfix @ gmail . com. He not only erased my evictions but also boosted my credit scores to a 796 within a few days. Forever grateful

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