100,000+ views

5 min

Advertiser Disclosure

Advertiser Disclosuretap to close

BadCredit.org is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation from many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across the site (including, for example, the order in which they appear). BadCredit.org does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.


How to “Cheat” My Credit Score (3 Quick Credit Fixes)

Mike Randall 3/26/17

In this age of helpful internet tips and shortcuts for everything, there’s got to be a way to cheat your credit score — I mean surely there has to be some kind of easy trick that will bump up your score by a quick 100 points without too much work.

If you’re among the people looking for a quick fix to cheat your credit score, I’ve got some sad news for you.

You Cannot Cheat Your Credit Score Without Committing Fraud, But You Can Legitimately Boost it Quickly

The way the FICO scoring system has been designed prevents people from artificially manipulating their credit score – at least for very long. That’s because creditors are notified when a legitimate negative entry gets removed from a credit report, and they will reinstate that entry almost immediately.

Is there a way to temporarily raise your score? Certainly there is, if you aren’t opposed to committing fraud. And be assured, your score will soon be right back to where it was. Fortunately, if you’re looking to improve your credit score and want to do it legitimately, there are a few ways to accomplish it.

1. Understand the Issue & Look for Credit Report Errors

In order to understand the need for credit repair, let’s take a look at some statistics that the government has issued regarding credit reporting errors.

  • According to the Federal Trade Commission, 1 in 5 Americans have an error on at least one of their three credit reports.
  • At least 5% of us have errors that are so serious we’re probably paying more interest than we should because of them.
  • As many as 20 million Americans have what the FTC calls “significant mistakes” on their credit reports.

It’s for the reasons listed above that we should all take a close look at our credit report, and if we see any errors – do something about it. You can obtain free copies of your credit reports at annualcreditreport.com.

2. Legitimate Credit Repair with Lexington Law

One of the best ways to respond if you’ve identified an erroneous or questionable entry on your credit report is to engage a reputable credit repair agency to help you resolve the issue. Lexington Law Credit Repair, for example, is one of the most respected names in the industry.

They have helped more than 500,000 consumers, who see an average of 10.2 negative items removed within four months. They are also affordable and have an A+ rating with the Better Business Bureau.

4.9 /5.0 Stars
  • Free consultation: 1-855-200-2394
  • Most results of any credit repair law firm
  • Clients saw over 9 million negative items removed from their credit reports in 2016
  • More than 500,000 credit repair cleints helped
  • Cancel anytime
  • See official site, terms, and details »
Better Business Bureau A+
In Business Since 2004
Monthly Cost $79.95
Our Expert Review 4.9/5.0 (see review)

Alternatively, some people choose to perform their own credit repair. This is certainly a valid option, if you have the time and patience to contact the credit bureaus and follow up on your disputed entry requests. The Federal Trade Commission’s website has information on disputing credit report errors, along with tips on the best way to proceed.

3. Build Credit with a Subprime Credit Card

Finally, many people who want to legitimately raise their low credit score can benefit from getting a subprime credit card. These cards are meant for folks who might not qualify for a typical credit card, but who want to start building their credit again. Below are three of our expert’s favorite cards for rebuilding credit — click “Our Reviews” for full details of each card:

4.8 /5.0 Stars
  • Checking account required
  • We may approve those currently building their credit history
  • Application response in 30 seconds
  • Know the score! Quarterly FICO score on your monthly billing statement
  • All credit types welcome to apply
  • Your First PREMIER Bank credit card activity is reported to the Consumer Reporting Agencies each month. Making your payment on time and keeping your balances low relative to the credit limit will result in positive marks on your credit report
  • See official site, terms, and details »
Interest Rate See issuer website
Reports Monthly Yes
Application Length 6 minutes
4.8 /5.0 Stars
  • Holiday gifts they'll like, payments you'll love! Use your line of credit to shop over 550,000 items from great brands like Samsung, KitchenAid, and DeWalt
  • Take advantage of low monthly payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
  • Fast, easy online application process and a quick decision
  • Not an access card
  • See official site, terms, and details »
Interest Rate See issuer website
Reports Monthly Yes
Application Length 5 Minutes
4.7 /5.0 Stars
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00! (subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard® is accepted
  • Free online account access 24/7
  • Checking Account Required
  • See official site, terms, and details »
Interest Rate See terms
Reports Monthly Yes
Application Length 9 Minutes

As long as these cards are used responsibly and are paid on time, they can be a great way to bump up your credit score.

Final Thoughts

As you can see, there are no quick fixes or “cheats” to rebuilding a low credit score – but there are ways you can do it legitimately. Whether you choose to fight errors on your credit reports yourself, hire a professional credit repair service to do it for you, or rebuild your credit through new credit, we wish you the best of luck in your credit repair endeavors and hope one of these methods is right for you.

About Mike Randall
Mike Randall is most knowledgeable in the areas of credit scores and credit cards, having written on those topics and others for the past eight years. He graduated from California State University with a degree in English literature, and he has an extensive background in personal finance studies. When he's not keeping BadCredit.org readers informed of changes in the subprime market, Mike’s hobbies include sailing and gourmet cooking. Connect with Mike on Google+.
« Back to: Guides