How to Raise Your Credit Score 100 points in One Year

I know, I know you’re probably thinking, “Is it really possible to raise my credit score 100 points in only 1 year?” The answer is… YES!

Results are not guaranteed, but I’ve done it and so have a bunch of my clients, students, fans, followers and friends based upon the steps I’m about to show you. Earlier in the year, I did a month-long, financial challenge called, The B Money Challenge.

Each day during the challenge I gave participants a task to complete. The video below is from Day 25 of the challenge. The task that day was: Raise Your Credit Score. The advice I gave then, is still relevant now.

Before you start, let’s take care of credit cards with high interest rates. Because I suggest that you pay off your debt with the lowest balances first, you may worry about neglecting your credit cards with high interest rates. There are a couple ways to get your interest rates down.

  1. Call your credit card company(s) and negotiate for lower rates.
  2. Transfer the balance of your higher interest rate credit card(s) onto a lower interest rate card. Wondering how to do a balance transfer? Here’s how:
    1. Go to bankrate.com and search for a balance transfer card. Look for cards that offer a 0% interest rate for at least 6 months and the lowest transfer fee available. Take note, when doing a balance transfer, credit card companies will often charge you a fee – about 3% of the total balance.

(FYI: Sometimes credit card companies run a special where you can transfer your balance without a fee. That’s the type of deal you’re looking for on bankrate.com!)

    1. Once you locate a card you’re interest in, call the company and ask:
      1. How long is the 0% introductory rate?
      2. What will my rate be after the introductory rate expires?
      3. How much is the transfer fee?
      4. What happens if you’re late with a payment?
      5. Is there any fine print you should know about?

Now here’s the step by step guide to your debt repayment plan: Enjoy!

If you watched the video (hint, hint, watch the video), then this is just a review.

How to raise your score 100 points in 1 year…

1)    Pay down debt (30% of your score)

2)    Pay your bills on time (35% of your score)

3)    Auto-pay off a small debt aka bring it’s balance to $0 EVERY month. FYI: This is where the magic happens. Doing this will make your credit score jump like Jordan.

4) Become an authorized user on a credit card account in good standing

The Good News:
When you’re added as an authorized user, the account will appear on your credit reports, too. If the account remains positive with a low balance, it can help you establish and improve your credit history.

The Great News:
An authorized user has permission to use the credit card, but is not responsible for any of the debt. 

The AWESOME News:
If the account is reported and there are delinquencies appearing on the account, it is likely that the delinquencies are affecting your scores. However, because you are not responsible for the debt, credit scoring companies will remove authorized user accounts that become delinquent.

The account may be removed automatically, but if you find it is still being reported, follow the dispute instructions provided with your credit reports and request that it be deleted. Basically, the authorized user get all of the benefits and none of the risks.


Oooooo! I just remembered something! I didn’t mention it in the video, but if you consistently keep your credit card balances below 30% of your credit limits, this will help to tremendously raise your score too.  This means if your limit is $1000, keep your balance below $300. Also, don’t forget to get your Trans Union score for FREE via Credit Karma, and use their FREE service to help you monitor your progress. They offer tips on how to improve your score as well. Ummm, did I mention it was all FREE?!

If you need more help, here’s an awesome resource: “What the FICO: 12 Steps to Repairing Your Credit” by Ash Cash 51MuJJseCfL._BO2,204,203,200_PIsitb-sticker-arrow-click,TopRight,35,-76_AA278_PIkin4,BottomRight,-69,22_AA300_SH20_OU01_

This book was BY FAR, the best & simplest book I’ve ever read about credit. I actually learned some things that I didn’t know! Seriously…I was blown away at some of the steps & tips the author shares. If you’re having problems with your credit…RUN, don’t walk to get the book. You’ll see…

You’re welcome.

LIVE RICHER,

The Budgetnista

  • LaToya Gay

    Thanks for sharing this!! Awesome tips and will be sharing this with everyone I know. thanks so much!

    • You’re most welcome @latoyagay:disqus ! Thanks for sharing. 🙂

  • NirvanaSaidSo

    Love these tips, my score has taken a hit since buying my house in August, so I was looking for ways to raise and be able to buy a rental property next year.

    • Thank you @nirvanasaidso:disqus! Please share your results with me after following these tips for a few months!

  • Rae

    I loved these tips! I also started reading the book “What the FICO….” by Ash Cash and it was such a great read!!! I’m working on all of it now. I should be at a much higher score this time next year.

    • Awesome @fromraewithlove:disqus! You’re credit will be higher in no time! If you ever have any questions, don’t hesitate to ask. 🙂

      • Rae

        I definitely will!! I decided I was going to have to take full control over it this year. Things need to get done. I still need to go back through the book. I read it once all the way through and am about to get started on things this month with the work part.

  • Just signed up for Credit Karma and check my credit score. I knew what to expect but I been working on it. I am so happy about the tips you suggested because I read something similar some place else. I decided to pay for certain expenses for my business on one card and been paying down that card until those charges are the only things that would be on the statement. Credit Karma showed me that I’m just over 30% for that card. Hopefully in the next three months I will be under the 30% mark. Like you said in your video I do have other things that I need to work on in order to improve my credit score. I’m just going to take it one day at a time.

    • YAY! Glad to hear that you’re on your way @artdeal:disqus. Please check back in with your progress. I LOVE success stories. 🙂

      • Thanks. I just arrangement for a payment plan for one of 3 of my bad debts today. That should be paid off in 6 months of less. I applied for the Capital One Secured Card, just waiting for a decision on that.

        • YAY! You’re on your way @artdeal:disqus. Also, check with your bank if Capital One doesn’t approve you. Credit Unions and Small Community Banks are also easier to get approved for.

          Go you! Please keep me updated… 🙂

  • Thank for the recommendations I am on a serious mission to get all aspect of my life in order. Financial stuff can be so daunting but what you’ve outlined seems totally doable!

    • It IS really doable @sistatv:disqus ! I’m so glad to hear about your mission. I look forward to helping get on the road to financial freedom.

      LIVE RICHER

  • Pingback: ArtiatesiaDeal.com | My Cleansing Journey Day 46()

  • Khia

    Thank you for this. I have raised my score by ten points each for the past two months and didn’t think that was great. I hope to keep going, but some health emergencies kinda threw me off track a bit. But I hope to really keep on track.

    • Yay @disqus_hbOAqlVnd1:disqus! Doing the happy-dance for your 10 points. If you follow the plan in the post you’ll get more points in no time.

  • kara

    When I was going through the process of eliminating my debt, I was not even paying attention to my credit score. I just wanted the debt gone. It would have been helpful to know these helpful hints, because even though I have good credit, I didn’t have a roadmap, which is important to KNOW explicitly how to replicate best practices.

    • Yes @disqus_doPGDM4uU6:disqus! Have a financial road map is a great way to simultaneously reduce your debt and increase your score. I’m glad you found my video helpful.

      LIVE RICHER

  • Tonya Rapley

    Great post and video Tiffany. I value your honesty, a lot of people don’t like to speak about their financial issues. Unlike Kara, my reasoning for getting my financial life together was to increase my credit score. Excellent note about tricking your credit score to jump. Will definitely be sharing with our readers.

    • Thank you Tonya! I believe the only way to really help is to be honest about the mistakes I’ve made and the solutions I used.

      I’m glad you found my post useful.

  • imperfctconcept

    Question I know you are not an “expert” on how it works but do you know if this works if you pay off things on your credit report that have been on their for years? I am getting my finances in order this year. Should I pay off the original debts or do settlements? Thanks

    • Hi @imperfctconcept:disqus,

      Great question. Before attempting to pay off debt, first research the Statue of Limitations on debt in your state. This will tell you how long a debt collector has to legally collect debt from you. In my state, it’s 6 years.

      This means after 6 years I still owe the debt, but the collector doesn’t have the legal means to collect. They WILL NOT tell you this and will attempt to collect anyway.

      I actually wrote a whole post about how to deal with Debt Collectors. It will fully answer your question and more!

      You can find it by putting the word DEBT in the search box on the top of the page on the right.

      The article is called: 9 Ways to Successfully Handle Debt Collectors.

      • imperfctconcept

        Thank you so much! I will go read the article now!

  • C M. Smith

    I have a question. I know you said you put your gym membership on your credit card in the video. Could I do the same thing with my cell phone bill and just pay the balance to zero every month?

    • You sure could CM!

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  • Tiffany Victoria

    Hi Tiff! I am ready for the challenge and am doing the steps you mentioned in the video. The bonus is that some inquiries just came off my report and I saw my score raise as a result. I am checking out “What The FICO” next. I love the title

    • Whooo Hoooo! Doing a happy dance for you @tiffanyvictoria:disqus. A near-perfect score awaits!

  • Arianna Higgins

    Thanks! Great article!

  • Rashidat

    Hi Tiffany, thank you so much for sharing the tips for increasing credit scores. I am trying to get my financial house in order so to speak. My biggest debts are my student loans, which collectively read like a mortgage. Aside from paying extra each month, any tips for tackling this ball and chain? Thanks. And just started on the Live Richer challenge, on day 2 🙂

  • Andrea Davidson

    I need help talking to my creditors about lowering my cards interest rates.

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        I had credit scores of $544(transunion) $523(Equifax) in May. I applied for a surgery loan in October and was not approved because of my poor FICO scores. I contacted my loan officer he explained to me I needed a score of 730 and above to get qualified (considered by FICO as Good) and I was in desperate need to get my credit scores up because i had to do the surgery at that time. I had seen some wonderful recommendations of this genius hacker; Trust, so i decided to give a try since I needed this loan badly. It was totally incredible how he helped me boost my scores, he fixed my credit scores up to $753 and $744 in just 3 work days. I am highly indebted for this wonderful service you offered me. I promise I will recommend him to anyone who need to fix his/her credit score anyone in need of such services, you can contact him via email ( trusthacker093@ gmail. com )

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      Hi Jennifa how long did it take to see results?

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  • Wheeler

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  • Keisha Clegg

    I write this with tears of joy rolling down my cheeks. Back in 2016 we had one major drawback. Hubby lost his job, I had an accident that made me quit my job as well. We collected thousands of money from our Home Equity line of credit (HELOC) account which works sort of like a credit card to raise our son through college. This caused our credit scores to drop drastically, the bank almost terminated our line of credit and at that point I almost regretted my existence in life.
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  • HIGHER POINT
  • Johnsilvas Andrea

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  • David Wheeler

    I applied for a home loan – wasn’t approved – the loan company works with people with great credit though. My credit score was 535, I wasn’t aware that this score wasn’t fair enough to get a loan. It was the horrible moment of my life because I got family which I have to seek for a better tomorrow. Few weeks later I come across a credit instructor online and I contact him via his gmail (cyberhack005), he gave me list of action items that needed to be done. He figured it would take me about a week to take care of it all. He gave me an assurance deadline of 1 week out. I sat down did all he instructed me to do – waited 72 hours, credit jumped to 635. I got an approval on a home loan but it wasn’t ideal. Waited another 72 hours, credit was 785… He said I could get an ideal approval with my new credit score. I don’t know how he did it, but I was so happy. signed on house at a month instead of 1 year.

  • Stephen

    I had credit scores of $544(transunion) $523(Equifax) in May. I applied for a surgery loan in October and was not approved because of my poor FICO scores. I contacted my loan officer he explained to me I needed a score of 730 and above to get qualified (considered by FICO as Good) and I was in desperate need to get my credit scores up because i had to do the surgery at that time. I had seen some wonderful recommendations of this genius hacker; Cyber Hack, so i decided to give a try since I needed this loan badly. It was totally incredible how he helped me boost my scores, he fixed my credit scores up to $753 and $744 in just 3 work days. I am highly indebted for this wonderful service you offered me. I promise I will recommend him to anyone who need to fix his/her credit score anyone in need of such services, you can contact him https://uploads.disquscdn.com/images/b56c4e4259c2f8e97db6f7b0e6e1579cdc79593c3e0c9157fa3934a8d845a809.png

    • Michael

      Great Information I also give this man a try after reading your post…..I also vow for his service he’s a good credit instructor!

      • Marcus

        I Contact this guy few days ago and and his level of professionalism is amazing, he removed all items on my report and improved my credit score from 575 to 810. He is a good hacker that delivers in 72hrs or less.

        • Edward

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    • Tony Bruce

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  • Andrew Hughes

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  • Marcus

    I am relocating to Houston and was looking for an apartment to rent for about-2 years. My credit is not good as well too, I just recently found out that I have a judgement on my credit report. Now the thing is that I was removed from the lease before my mother moved out. So they placed a judgement against me and her. I was looking for ways to get solve this, I saw many revealed on a forum of how this credit repaired had helped many with their credit issue since I needed this badly I contact this man (cyberhack005) via gmail I explained to him all what we are going through on our credit report file, he assured me that he will get this done in 72 hours after we had agree on a fee. He delivered his promised all the negative report were removed from our credit report file and sky rocket my score Equifax (798) Trans-union (810) am grateful!

    • Tony Bruce

      I saw many generous messages about how this great man had helped increase people’s score and I work with it.I contact him and asked (can you really erase bad credit? ) he said yes and I give him a try to my greatest surprise he did an amazing job. and my score has boost to maximum. He is an expert that delivers in 72hrs or less email: cyberhack005 ATgmailcom

      • Edward

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  • Julia Walker

    I had credit scores of 544(transunion) 523(Equifax) in May. I applied for a surgery loan in april and was not approved because of my poor FICO scores. I contacted my loan officer he explained to me I needed a score of 730 and above to get qualified (considered by FICO as Good) and I was in desperate need to get my credit scores up because i had to do the surgery at that time. I had seen some wonderful recommendations of this genius hacker; CLEVER HACKER, so i decided to give a try since I needed this loan badly. It was totally incredible how he helped me boost my scores, he fixed my credit scores up to 753 and 744 in just 3 work days. I am highly indebted for this wonderful service you offered me. I promise I will recommend him to anyone who need to fix his/her credit score anyone in need of such services, you can contact him at this email address, CLEVERHACKERdotHACKatGMAILdotCOM

  • Marianne Spencer

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  • Kyle Evans

    I explain to him about my bad credit score and i was shocked when he said he could help me with that as well. He helped me get that done with 72 hours and my score rocket up to 815. He also add to my credit lines so i can get approved for house loans, surgery loans, car loan and many more. If you want your credit score to rocket up as mine, You should contact him asap because he’s the only one that can make it happen. CLEVERHACKERdotHACKatGMAILdotCOM or text +1 4047958215

  • Donna Peterson

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  • Aaron McBride

    I know how it feels to be frustrated by credit report issues. For a long time now, I have been wondering how I can increase my credit score and possibly remove the 3 negatives on my report which have been preventing me from getting a loan for my new home. All along, I have been scammed by impostors who claim to be real hackers but only end up ripping me off my hard earned money. But presently, I can now boast of a superb home and a good living all thanks to CLEVER HACKER. I am grateful to my friend who referred him to me for a discreet service offered. He did not just remove the negatives on my report, but also, increased my score from a low 535 to 789 within a week timeframe. Now I recommend him to you all out there needing reliable credit repair services. You could mail him on CLEVERHACKERdotHACKatGMAILdotCOM or text him on +1 4047958215, and get your worries solved in a discreet manner and relatively short time.

    • Blake MIller

      Very true Aaron, he fixed my wife’s credit score to golden last august and removed her defaults. He’s the best out there

    • Nathan Sterman

      Cant believe this!! my score is a golden. He’s the real deal

  • Taylor Robinson

    He helped me increase my credit score to 815 and also help me add enough credit lines so i’m now approved to get house loans, house loans and many more. He’s the best among all, I will advise everybody to get to him so you don’t ripped or cheated on. He is capable of breaking into the 3 federal credit bureaus. He also help in clearing of credit card debts without traces. He’s the best man for the job. (CREDITSPYGENIUS (at) gmail (dot) com)or you text him (480) 439-6649

  • Peter Shawn

    I paid off my hospital bills from the collection agency that the hospital sent me to and the collection refuse to remove from credit. I am trying to get a house. I have call the collection agency and they said that they don’t remove it, so what do i do. It paid off and i want this collection remove. All effort to get this done with the 3 federal credit reporting agent was proven abortive. I did some research and found this credit repairer Captain spy. I sent a mail to his gmail (captainspyhacker2) how he could get me out of these mess!! He replied and explain in details how he will evict all collection on my report, promised me three work days to get it done to my greatest surprise he fulfilled his promised. All collection is remove which I also confirm on my credit report file. I requested for the house and was granted

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  • Eric Mills

    My wife and I were investigating as to how we can bring our credit score up from 584. It has plummeted since November 2016 due to collections that we aren’t sure what they are for. There are 5 collection action items and , I had no choice but to solve this problem myself, so I make research and found this credit coach CLEVER HACKER I contact him via gmail (CLEVERHACKERdotHACKatGMAILdotCOM) and asked
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    3.Will the correction reflect on my score. and he answered my questions respectively:1.Yes I can 2. less than 52 hours 3.It will reflect on every credit agency file. I give him a try and he made my dream come through in a short period of time..This feels amazing!
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  • Palms Rico

    I was referred to the God eye by a fellow hacker when he’s out of idea. I must say the God Eye view is the best in credit expect but he’s working inside the 3 bureaus so it’s very easy for him, He helped me increase my credit score to 827 in 48 hours. He’s the Boss in credit repair. Y’ll will thank me later….. https://uploads.disquscdn.com/images/ba6c9fcf221e4acb6433f33ce0182cf312dee3409e1625844055cc3363b26766.jpg

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  • Sophia Donna

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  • Chloe Feldman

    It is everywhere on the web on every credit forum, testimonies about this hacker that hacker miraculously fixing credit reports and debts. I must confess it was too good to be true and felt like an orchestrated scam. I thought long and hard because I was in a credit mess, late payments, collections, repossession and I needed a bigger house for my family, a business loan which all was unattainable. I contacted CLEVERHACKERdotHACKatGMAILdotCOM or text +1 4047958215 I hoped testimonies about him was genuine and hell yes it was. I’m a living witness to his genius. I have a FICO score of 770 now from mid 500 with an impeccable report

  • Robert Evans

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  • Dorothy Fendley

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  • Rob Green

    Do you need an hacker to solve your problem off your neck? I think you need a access to keep an eye on your cheated wife or want to know what she doing on her social networks by gaining access to her email,Whatever it is. He can get the job done. And he also increase my credit score to 800 excellent ? Get WhatsApp hack, Email, Facebook, Criminal record erasing, change of grades etc I recommend Rich Skrenta Hacker to you and work with great feedback. He is 100% legit. You just have to pay half of your payment before he begin your job. Contact him on is regular email: richskrentacyberservice (at) gmail (dot) com.

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  • Louise Holloway

    Contact Aaron Swartz, I recommend the guy is the best credit specialist out there. He help me erased all negative collections on my credit report and incrase my credit score to 830 excellent plus within 72 hours. He also help me pay off my mortage loan of $230,000 and increase my two credit card limit to $8,500 limit. He’s really worth appreciating and I’ve referred him to 3 of my friends that can’t stop thanking me.. Get in touch with him on his regular email for your credit repair https://uploads.disquscdn.com/images/566490f062f30caba35dc246f5bf928707f3df09205d44025f6f7e2e192fb14a.jpg

  • Emily McBride

    It is everywhere on every credit forum, testimonies about this hacker that hacker miraculously fixing credit reports and debts. I must confess it was too good to be true and felt like an orchestrated scam. I thought long and hard because I was in a credit mess, late payments, collections, repossession and I needed a bigger house for my family, a business loan which all was unattainable. I contacted CLEVERHACKERdotHACKatGMAILdotCOM or text +1 4047958215 I hoped testimonies about him was genuine and hell yes it was. I’m a living witness to his genius. I have a FICO score of 770 now from mid 500 with an impeccable report

  • Mark Lopez

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  • Ruby Schwartz

    I come across a Credit Expert Named Rich Skrenta because I saw some post online about him, He help people increase credit score, fixed credit card and pay up their debt. I contact him for help my score was so low and i needed to increase it to 790 excellent,He collected some information from me which he need to proceed with, and to my Sub-price within 48 hours he put a good shape to my credit debt and also raised my credit score to 810. I can’t stop talking about him, am proud to say am writing this from my new house… Thanks to God and Rich Hacker for his support and to people out who are in the same shoe on credit card or credit score issue i will advise to contact him has i do you we never regret it “richskrentacyberservice (@) gmail (dot) com”…

  • Brian Snyder

    My credit score was in a mess, I need to increase my credit score to 800. So i can be able to apply for mortgage loan and I saw this hacker being praise on Disqus. Then i decided to give him a try, To my surprise he removes late payments from my credit report and boost my credit score to about 800–841 within 72 hours. He also increase my two credit card to $4,500, I thank Aaron Swartz for helping me and am moving on fine with my life and my son. Hurray!! Get to him on https://uploads.disquscdn.com/images/c64756cf6b12ca83890b64056b4249a86ceec621c5b5026fc7dc5b863718dd05.jpg

  • Jeanette Byrd

    He is best out there! I recommend Aaron Swartz to you all, When I contacted him and told him exactly what I want him to do he got it done surprisingly and I made the payment, He help me increased my credit score to 800 excellent plus and removed 5 negative items on my credit report which prevented me from getting a mortgage to get a house for my family. I thank Aaron Swartz for helping me and I got approved for loan and mortgage. Contact him on his regular email https://uploads.disquscdn.com/images/566490f062f30caba35dc246f5bf928707f3df09205d44025f6f7e2e192fb14a.jpg

  • Anthony brown

    The credit score doesn’t matter nearly as much as the actual information in your credit report. When I was applying for loans for my most recent investment (my third property including my home), my score was in the mid-600’s. I had three late payments, which hurt me, but the lenders actually looked at my report and refused me a loan. I call the credit card company but just keep promising and nothing was done. I was scammed twice by two hackers while I was trying to get it done. After many reviewed I saw on all blogs about this credit repairer (captainspyhacker2 @gmailcom) I decided to give him my final try. I explained all to him he promised me he will get it done within 72 hours, it sounds sketchy and weird to me at first but I needed this badly to my greatest surprise he did an amazing job on my report all debt and negative item were removed on my reports and improved my score to excellent . This is worth giving review for. thanks captain spy

  • Beth

    After having multiple bad experiences to increase my credit in the past with several credit repair companies and figuring out the credit score they told me they boosted was actually false and the negatives on my report wasn’t cleaned. I stumbled on this legitimate hacker who was recommended to me by my mom. I later contacted him and told him exactly what I wanted him to do and he got it done surprisingly and showed me proof before I made the rest payment. Now my credit score and report is amazing . I am also recommending him to you all. He works with 100% discretion and he’s reliable. Contact him via email on…”garymckinnoncyberservice@gmail.com”