How to Raise Your Credit Score Overnight

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Contributor, Benzinga
June 7, 2022

Many consumers find themselves in the uncomfortable position where they need a better credit score and don’t know how to get it. Rebuilding your credit is a long game that takes time to complete, but there are a few things you can do to improve your credit rating overnight. Remember, you cannot solve all your financial issues in a day, but you can at least take strides to bettering your financial situation.

Why Does Your Credit Score Change?

Your credit score changes for a variety of reasons, many of which are completely under your control. Credit ratings generally shift because:

  • Your credit utilization changes.
  • You make on-time payments or miss payments.
  • Your mix of credit usage changes.
  • You had a hard inquiry into your report.

While it can be difficult to anticipate how your score will change, it is wise to pay off debts, pay bills on time and keep balances low. Additionally, try to have a mix of credit lines that include your mortgage, car payments, credit cards and perhaps a small personal loan. If your credit mix becomes too heavy in one particular area, the credit bureau might lower your score.

Common Issues Consumers Face

Consumers with low or poor credit scores face a number of issues that are often difficult to combat. While there is not magic trick that can solve all these problems at once, consumers should be aware that they don’t need to sacrifice their credit ratings if they:

  • Lose their job
  • Fall behind on payments
  • Experience unforeseen emergencies

Improve Your Credit Score Overnight

You can increase your credit score fast using a few techniques that produce instant results but cannot necessarily solve long-term problems. Remember that you should take a long and a short view of your credit.

The short view starts with:

Authorized User Status

If you become an authorized user on an account with a solid payment history, your score is likely to go up. This might be a simple way to get you in the proper credit score range — so long as the credit card issuer reports every 30 days as it should.

This is also a wonderful way to build credit for your children. If you maintain a credit card with a low balance and good payment history, your children can benefit by becoming authorized users, and they could even enjoy the score increase that comes from a line of credit that was opened before they were born.

Pay Down Debt

Paying off or paying down debts will help your score increase. Paying down a credit card is easy, but you also get a boost in your score if you pay off a car, house or other large loan. 

Successful Disputes

If you successfully dispute items that should not be on your credit, you are more likely to see your score increase. Reach out to each of the 3 credit bureaus to ensure false information is removed as soon as possible.

New Lines of Credit

If you open a line of credit for a singular purchase, try not to max out the card in the process. When you open a new line of credit that you do not use immediately, you can keep your use down. Pay in a timely fashion, and that new line of credit will continue to bolster your score.


How to Rebuild Your Credit

When you want to rebuild your credit over time, remember that paying your debts in a timely manner is always the best 1st step. Tools you might use to improve your credit score and obtain financial freedom at the same time also are available. 

A credit rebuilding loan can help you get your credit report on the right track while also giving you the money you need today. 

Most of all, you must either pay off old debts or allow them to drop off your credit report. Something that is easy to pay off should be paid 1st —provided it has not already dropped from your report. Items that are too difficult to pay or are charged off should be allowed to drop off your report after the requisite 7 years have expired.

How Long Does it Take to Rebuild Your Credit?

Rebuilding your credit takes time, but you can see that it’s possible to raise your score with a few simple actions. You can plan to increase your score overnight by making wise moves, but you must also play the long game, ensuring that you make on-time payments and keep your credit use down.

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MoneyLion is a financial platform with a unique range of products and services focused on helping consumers just like you. The company lives by a motto of helping “the 99% feel 100%” about their finances.

To that end, the company helps you manage your money from all angles, including:

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With these services, you can increase your credit score, manage your money effectively and try get more out of your finances

Start Rebuilding Your Credit Today

You can increase your credit score using the tips listed above and a range of services from financial institutions. Using these methods will help your credit score jump today and remain high in the future. As always, you can return to Benzinga in the future for any financial information you might need — including how to manage your debts and maintain a good credit rating.

Frequently Asked Questions


How can I raise my credit score in 24 hours?


If you want to increase your credit score in the next 24 hours, you can: Become an authorized user on an account with a good payment history and pay down debt or open a new line of credit that you do not immediately use.


What is the fastest way to rebuild bad credit?


While there is no truly fast way to rebuild your credit, the best thing you can do is faithfully make payments on your obligations, resolve outstanding debts and successfully dispute incorrect items on your credit report. Additionally, it is wise to open lines of credit, pay them off monthly, use them regularly, but never allow them to accrue debt.