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tips to raise credit scores in 2016


tips to raise credit scores
Golden Financial Services Provides 4 Tips, Guaranteed to Raise a Person’s Credit Score.

1. Use Credit Cards Responsibly:

To raise your credit score start by using your credit cards every month and pay off the bill in full when it arrives. This best practice often gets neglected.

Don’t buy something on your credit card if you can’t afford to pay it off in full when the bill arrives. 

By actually using your credit cards EVERY MONTH, and paying the bill off IN FULL EVERY MONTH, shows that you are a responsible borrower. Your credit score will go up by practicing this, guaranteed!

If you never use your credit card, you will probably lose your credit card. Often banks require you to use your credit card, or it will be closed out, this is bad for your credit score!

If you carry a balance over to the next month, you will pay interest, also known as fees, Cost YOU $$$$. TRY CALCULATOR ABOVE: 

If you have maxed out credit cards and you cannot afford to pay more than minimum payments, you need to consider debt relief programs. When paying only minimum payments, you’re feeding a lion. That lion will eat your payment. Interest is a silent killer of a person’s financial health.

When paying minimum payments you’ll be paying interest forever. Hey, on the upside, at least the credit card company will love you! No, but seriously, consider debt relief programs if you can’t afford to pay more than minimum payments so that you can become debt free fast and then rebuild your credit score and save money for retirement.

2. Raise Credit Limits:

After practicing tip number one for 9-consecutive months, there is a good chance that the credit card company will raise your limit, but there is also a chance they won’t. Your credit limit NEEDS TO BE RAISED. The BANK OWES IT TO YOU AFTER 9-MONTHS OF PERFECT PAYMENT HISTORY.

If the credit card company doesn’t automatically raise your limit, YOU NEED TO CALL THEM AND REQUEST FOR YOUR LIMIT TO BE RAISED BY AT LEAST $5,000. Even if your income is low, they will raise it due to your perfect payment history over the last 9-months. Set a goal. For example: By 5-years, I want to have $100,000 in available credit between all five of my credit cards.

Tip: 3-5 credit cards is a good number of cards to have. 

You may want to request to raise your limit by more than $5,000, depending on your income. Staying debt-free and getting an increase in your credit limit, will GUARANTEE THAT YOUR SCORE GOES UP! EVERY TIME! 

Sign up for some credit monitoring service like or and you will get alerts as your score goes up, seeing these practices work.


3. Piggyback off a Family Member 

If you have no credit or bad credit, you may need to get a secured credit card to prove your worthiness to the banks.

Or use this trick that is GUARANTEED to raise your credit score. I did this trick myself when I was about 22 years old, and my credit score quickly shot up from around 600 to 750. I’m talking about over 100 points my score jumped within about 90-days and it kept climbing from there. 

Find a family member that has a high credit score. Get added onto one of their credit cards that have no balance and a high credit limit. Your credit score will shoot-up and other doors will then open for you to get your own unsecured credit card.

By getting added to the credit card of a family member who has top-notch credit, as a JOINT USER (not authorized, but joint), this will boost your credit score quickly.

This is called the piggyback approach. You piggyback off their success. Guaranteed to raise your credit score! 


4. The Power of Autopay:

To ensure you are never late on credit card payments, set up autopay. You can set it up to automatically pay the balance off in full each month; now you will never be late on payments. By never being late on payments, this guarantees that your credit score will go up.


When applying for a credit card, make sure to ask if there are annual fees. Why pay added fees when there are so many credit cards out there that have no annual fees? Also, find the credit cards that offer you the most benefit, reward points, and cash-back. If you travel often, find a travel card that pays high reward points or offers you a free flight or hotel stay. 

Sometimes annual fees can be worth the price if the credit card offers benefits such as points or cash back. For example, if a credit card pays you $250 for every $20,000 you spend, and you anticipate spending $20,000 per year, well if there is a $99 annual fee, this can be worth the price to get $151 cash back. However, weigh this option, because there are plenty of great credit cards with no annual fees.

The Bank of America Travel Card is an excellent choice if you travel and dine at restaurants regularly.

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2 comments on “4 Guaranteed Ways to Boost My Credit Score

  1. Karry Dettling
    October 18, 2016

    Wow great post on credit. I have been searching all day long for some reliable information to help increase my credit score. I will start following these tips right away, thank you very much.

  2. RoxanaX
    September 3, 2017

    Yes, very helpful information. My credit is shot so this information will certainly help me out. I will print this out and post it on my refrigerator. thanks.

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