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How to improve credit to have excellent credit scores

Boost Credit Score Overnight – is it really possible? 

So you’re searching online for ways to boost your credit score overnight. Well, great news, we’re about to share some amazing tips to help you transform that credit score quickly. 

Before we start, it’s important to note that the best ways to increase your credit score are not truly “overnight” in the sense that everything will be fine in the morning.

The best credit score hacks are ones that take diligence and dedication to execute effectively, as explained in these 24 tips to build excellent credit.

Unfortunately, when financial advisors and other companies promise to help with your credit score, the tips for improving your credit score are typically focused on the strategy for making payments over time. And I know, that’s not what you came to this blog post for! 

The closest way to boost credit score overnight

This #1 rated credit hack here can raise your credit score from 550 to 700 in under six months.

Want to raise your credit score even faster?

Try using Experian Boost! It’s a free tool offered by Experian, and according to them, it will “raise your credit scores instantly”.

In my experience, Experian Boost does work fast, but you won’t see “instant” results. The tool works by incorporating additional payment history to your credit report and score, that may not currently be showing up on your credit, including your cell phone and utility bill payment history.

To use Experian Boost, simply create a free credit monitoring account at Experian. After you log in, look for Experian Boost and simply follow the instructions.

Do you have high debt?

If you have high debt balances, paying these balances in full will also improve your credit scores fast. To do so, use this debt snowball calculator.

If you need a credit card relief program, plans do include debt validation. The benefit of debt validation is that after an account is invalidated, it can no longer legally remain on your credit report. Learn more about an attorney-based debt resolution program that includes debt validation, on this page next. 

Most of the methods detailed below only require a change in thinking and strategy. If you are making only minimum payments on all of your bills, this blog is for you! Let’s get started.

Check Your Credit Report for Errors

Don’t just trust that your credit history is 100 percent accurate.

According to, “26% of participants in a study by the Federal Trade Commission (FTC) identified at least one error on their credit report that could make them appear riskier to lenders. The potential negative impacts those errors can have on your credit report can be catastrophic on your ability to get loans, new lines of credits, or better lending terms and interest rates.”

You can check your credit scores (there are three of them) on many different sites across the web, including,,, and others. 

Do you have high credit card balances?

You’ll need to pay off your high balances to improve your credit utilization ratio.

Here are the ten best ways to clear high credit card debt fast.

Update Your Income Information with your Credit Cards

This is the first financial step you should take when you receive that promotion and raise at work.

Many make the mistake of buying the jet skis, putting the extension on the house, getting an in-ground pool, etc. before updating their income information with their credit cards.

It can be difficult to think practically and responsibly when the excitement of that raise kicks in. However, for rainy days and emergencies, you may be entitled to a higher line of credit and more credit space comfort after that raise.

Requesting a credit line increase normally does not generate an inquiry on your credit report. In fact, most creditors will contact you at some point, asking you to update your income information. This is because it is in the creditors’ best interests to get you further extended in debt with them. The trick is to not get over-extended once your credit lines increase because the balance of limit-to-debt ratio is one of the major factors in determining your credit score

Attack the Credit Card with the Lowest Balance First

The Snowball Debt Payment Method involves paying your lowest balance off first, before moving to the next lowest, and so on.

NerdWallet describes it like this: “Make multiple small payments — often called micropayments — during the month to keep balances down. You can even treat your credit card like a debit card, paying online as soon as you see a purchase is posted.”

You can use Golden Financial Services’ Budget Calculator to know what your monthly payments might look like, which then links directly to the Snowball Calculator so you can begin attacking that credit card with the lowest balance. This method frees up cash flow by generating extra space in your bank account and helps you save money for emergencies by having the ability to use your credit card for a rainy day, such as a flat tire, flooding, or health scare.

Don’t Close Unused Credit Cards

You may think you are making the responsible decision to close a credit card account after paying it off because it removes the temptation to borrow money you don’t have. The truth is that having a credit card line on your credit score that has a large available balance actually improves your credit debt ratio. The best thing to do is put that credit card in a sock drawer or place where you only retrieve it to use once a month or every 45 days. Then pay it off immediately or as soon as possible to keep your credit score intact. 

Plus, it never hurts to have another option for when you have decided to celebrate a sunny day, as long as you have calculated how to pay off the credit card quickly and aren’t over-extended.

Don’t Apply for Too Much New Credit, Resulting in Multiple Inquiries

Not only is Experian great for helping you keep track of your credit score, they also are familiar with this concept and detail it like this: “Opening a new credit card can increase your overall credit limit, but the act of applying for credit creates a hard inquiry on your credit report. Too many hard inquiries can negatively impact your credit score, though this effect will fade over time. Hard inquiries remain on your credit report for two years.”

It can be tempting to apply for new credit cards each time the offers come in, figuring that adding credit lines will increase your ratio, but in reality, credit line increases on current credit cards is the better way to go. They do not count as inquiries, and maybe provide extra help in the process of increasing your score.

Now that you are armed with some starters for increasing your credit score, take a look at The 10 Best Ways to Clear High Credit Debt in 2019.

For additional support, call Golden Financial Services today at (866)-376-9846 or You can check out our blog here, and do your research on our services here. Let’s talk soon!

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