Can You Raise Your Credit Score by 100 Points Overnight?

| Tedis Baboumian |

Lenders use your credit score to help them determine how likely you are to repay your debts. This score along with your credit history can have a huge impact on your ability to borrow. Because of this impact, it’s a good idea to see what actions you can take to raise your credit score. Can you raise your credit score by as much as 100 points overnight? Let’s find out.The only catch: your score won’t change overnight, but you could start seeing results in 30 to 60 days, depending on your situation. It is possible to raise your score over the course of a few months by taking certain actions. Understanding how your credit score is determined and what actions you can take to improve it can increase your borrowing potential.

How is Your FICO Score Calculated?

As many as 9 out of 10 lenders use your FICO score as part of their decision-making process. Your FICO score is calculated by using different types of data on your credit reports from the three major credit bureaus, which are Equifax, Experian, and Trans Union. It’s calculated based on the following:

  • History of making payments on time (35%)
  • Balance owed, specifically whether you’re using a large amount of your available credit (30%)
  • Length of credit history including the age of your oldest and newest accounts and an average of all your accounts (15%)
  • Credit mix which shows experience managing both installment and revolving accounts (10%)
  • Credit inquiries (10%). Too many inquiries and new accounts opened in a short period of time can be a red flag to potential lenders.

Consumers are entitled to review their credit reports annually at no cost by visiting Once you understand what goes into determining your FICO score, take the time to look over your credit reports so you can identify where your focus should be in trying to raise your score.

Steps to Take to Boost Your Credit Score

Take a proactive approach to raise your credit score. Some of the things you can do as you work toward raising your score by 100 points include:

  • Pay all bills on time.
  • Get current on any bills that are past due.
  • Keep credit card utilization to 30 percent or lower.
  • Avoid closing credit cards that have a zero balance, because they’re helping your credit utilization rate.
  • Keep an eye on your credit score by monitoring your credit through Dovly. By using our portal, you can access your credit score at any time.
  • Dispute errors you find on your credit report immediately.

Dovly’s credit service can make taking charge of your credit as simple as can be. Dovly is an advanced credit engine that tracks, manages, and fixes your credit so with Dovly as your partner, you can keep an eye on your score, and so you can sit back and watch for credit improvements. Your credit score is much too important to leave to chance. Close monitoring of your credit, being proactive about improving your payment history, credit utilization rate, and correcting errors on your report right away can help to improve your score in a matter of a few months.

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