Improving and maintaining your credit score is not something that happens overnight; it is a process that takes time and effort. That being said, there are a few tips and tricks to raise your credit score fast!

One of the easiest ways to raise your credit score fast is to reduce your credit ratio, which is the amount of used credit versus available credit. Creditors like to see this at less than 30% but of course the lower the better. Improving your ratio can be done one of two ways. Obviously, paying down your balances will reduce your credit ratio, but most people don't know that increasing your credit card limits can do the same. Be careful not to use this increased credit. If you do, you will defeat your intended purpose.

Another way to raise your credit score fast is to use an old line of credit. The longer an account goes without activity the better the chance it will be dropped from your score. You don't want that good payment history to go to waste do you? This isn't giving you the green light to go out and make a major purchase. Just make a small purchase, something like gasoline, and pay it off with the next statement.

The final tip to raising your credit score fast is to review your credit report and dispute any old negatives. If the debt was truly legitimate this will not help, but if there was a true problem at the time disputing it may help remove it from your report. In most cases it will be temporarily removed from your score as soon as you file a dispute and remain that way until your credit can prove it is valid.

It is possible to raise your credit score fast, though the best scores come from long term care and maintenance. Good credit is not a sprint to the finish; it is a marathon. Those who recognize this often have the best credit.

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