Can You Really Raise Your Credit Score 100 Points Overnight? (The Answer May Surprise You!)

In theory, it is actually possible to raise your score 100 points overnight.

Let’s say for example you had a bankruptcy drop off of your credit report. In that scenario, your score would definitely go up 100+ points overnight.

But let’s take the question more literally. Let’s say you wanted to raise your credit score overnight literally. Well, doing it in just one night would be very difficult. If you dispute with the credit bureaus it has to go through a process, which is going to take much longer than just one night.

But here are some great ideas to raise your score very quickly.

Here are 7 clever ways to raise your credit score over 100 points as quickly as possible! 

Remember, that raising your credit score literally 100 points overnight is a very daunting task but the good news is that raising your score by 100 points in a short period of time is very realistic and it’s actually quite easy to do.

Here’s how to raise your credit score fast!

Image of a young lady credit report showing that she had her score raised over 100 points

1. Experian Boost

Experian has recently come out with a proprietary new way to help consumers to raise their scores very quickly. On their website, they claim that using their service can help boost your score instantly, which would fall under the overnight umbrella!

The service is free and there is absolutely no credit required. All you have to do is upload utility statements, telephone statements, and streaming service payments.

Traditionally, adding utility payment and phone payment records to your credit reports would not do anything to help your score. Experian uses your bank records to simply find all the on-time payments that you’ve made. They have just recently factored in Netflix payments to help consumers have a better chance of raising their scores. In a nutshell, what will happen is you will have some positive payment history added to your credit report which will boost your score immediately.

The great thing about the service is that even if it doesn’t boost your score a lot there is no chance of it hurting your score.

On average, the consumers that have used Experian Boost, have raised their scores anywhere between 10 and 25 points.

2. Get added to a friends or family’s credit card as an authorized user

If you have a friend or family member that has good credit, ask them if you could be added to one of their high limit, low balance credit cards. If you can get added to a couple of cards it will help your debt utilization ratio and it can improve your score 100 points or better almost overnight! This method is also known as piggybacking credit.

Getting added as an authorized user can help raise your score over 100 points quickly and easily

3. Call and ask your creditor to help you

If you have a recent late payment appearing on your credit report, simply call up your creditor and ask them to remove or for you. Give them a good reason and tell them exactly what happened. This is especially effective if you had a great credit history with the creditor.

Negotiate a pay-for-delete. If you have a negative baddie appearing on your credit report in the form of a charge-off, call your creditor and tell them that you will pay the balance if they will simply remove the negative item from your credit report.

Remember, it doesn’t hurt to ask.

Here is an actionable tip when paying off a debt. Ask for your creditor or collection agency to delete the negative item if you make a payment.If you’ve had a real hardship, tell them about it. Give them a good reason why you ran into your trouble.

If you do not have luck with the phone agent that you are working with. Call back and get another one.

You should also write a letter to the creditor and ask them in writing. You would be surprised if the letter got into the right hands, that particular person may be willing to help you.

A lot of things are negotiable with creditors. A lot of people don’t know that.

Try to leverage the power of negotiation or goodwill (forgiveness) to help raise your score.

4. Pay down your debt

This one of course sounds like a no-brainer but it is much easier said than done.

Your debt utilization ratio is one of the biggest factors in your credit score. So if you have the ability to pay some of that debt off that should be the first thing that you should do. You do not have the means to do it. Ask somebody in your family for a small loan. Also, remember to stop using your credit cards so that you can get your debt amounts as low as possible as quickly as possible.

5. Repair your credit

Repair your credit by removing any erroneous or errors that are appearing on your credit report.

If you don’t want to go out alone, hire a professional trusted credit repair company to do the work for you. They know all of the loopholes and they can get a lot of debt consumers typically cannot.

Here is our recommendation

Sky Blue Credit Repair. Sky Bly has over 30 years in the industry, Sky Blue Credit Repair has an A+ rating with the BBB with very few complaints.

They also offer a 90-day no question asked money-back guarantee.

Sky Blue Credit Repair

Image of the Sky Blue Credit Repair logo with their 90 day no questions asked money back guarantee depicting the legitimacy of the company

Let the professionals at Sky Blue Credit help you to raise your score today!

6. Request a credit line increase

This is another great way to reduce your credit utilization ratio. 80% of all credit card creditors allow you to ask for an increase online. Or you can always call the creditor directly.

Try to find ones that will do a soft pull. If they must do a hard pull and you have a decent credit score is still not a bad idea to go for. The hard pull will hurt your score a few points initially but if you do get the credit line increase it will help your score in the long run.

7. Get a new credit card

If you have decent credit and you don’t have a lot of hard inquiries on your credit report consider applying for a new credit card. If you got a new credit card with say a $5000 credit limit and you don’t use it too much or you keep your balance under 10% utilization it will increase your credit score pretty quickly!

Final Thoughts

Even if you cannot increase your credit score by 100 points overnight literally, you should always be working on cleaning up and optimizing your credit reports to achieve the best possible store that you can.

Taking action of course is way better than doing nothing about it.

You should always be working on optimizing your credit report data to improve your credit score

So how can I optimize my credit reports and scores?

Your financial situation will change over time.

-> You can start working on paying off balances to improve your score.

-> You can work on getting your credit available to you which will help your utilization ratio.

-> You can fix any errors that are not accurate on your report by doing credit repair.

More Reccomened Reading

Here is another great article on how to raise your credit score very quickly.

Learn about credit repair myths.

Learn how to write an effective goodwill letter to remove late payments.

Check out these credit loopholes that you can leverage to fix your credit fast!

Want to raise your score by more than 100 points? See how to achieve an 800 Fico score.

Learn how to remove collections from your credit reports.

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Do you have less than perfect credit right now? Let’s help you with that then. Read our credit repair reviews that we have backed up with first-hand real-life case studies.

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