How To Increase Your Credit Score By 100 Points

This post may contain affiliate links. Feel free to view my disclosure here.

how to increase your credit score

My debt repayment plan officially started again in January 2015. I vowed to get current on all my bills and begin the process of eliminating my debt. At the time, I had several installment loans and credit card debt. So far, it has been an interesting journey. Besides seeing the numbers get a little smaller each month, something else happened. My credit score went up by 168 points in only eight months. That was amazing. When I checked my score in August 2015, I was completely shocked to see that much improvement. In today’s post, I want to share with you some things I did when I raised my credit score. You should also learn how to increase your credit score by 100 points.

How to Increase Your Credit Score By 100 Points

Get Current

The first thing I did was get current on every bill I had. It didn’t matter if it was a student loan or credit card bill. I made sure I got up to date with each one of them. I also set up automatic payments for a couple of my bills. That was huge for me. I’ve never had the discipline to do that before, but I was focused on making this happen. 35% of your credit score is your payment history. I had to make sure that my payment history was getting better.

You may be asking how I got current. If it was a debt or bill that was only a few days past due, I paid the bill, including the late fee. If it was something that was between 30-60 days past due, I called the company. I let them know that I wanted to get current. I was able to either pay the companies what I owed them, or they set me up on a plan. I had to make 3 months’ worth of payments on time. Once that was completed, I’d be current. Believe it or not, making the payments wasn’t that hard either. You’ll do the same thing if you want to increase your credit score by 100 points.

Set a goal to start paying your bills on time. If you do this every month, your credit score will go up. It will show lenders that you are serious and improve your creditworthiness.

Stopped Using My Credit Cards

The next thing that I did was that I stopped using my credit cards. My credit utilization ratio started decreasing by just making payments on them.  I went from having a 90% utilization rate in 2014 to getting it down to 45% by 2016. Since then, I’ve paid off my credit card debt, got back into debt, and then eliminated it again. The good thing is that I never maxed out the cards again. Doing that would have negatively affected my credit.

Keeping my credit card balance low is one of the things that helped me get my finances in order. I’m sure that it will help you as well.

Make Extra Payments

You can next increase your credit score by 100 points is to make extra payments to your debts.  I started making extra payments to all my debts. I’m not sure how much that helped, but it was something that I had to do. I got tired of looking at those ridiculous numbers. Doing different side hustles was the main way that I was able to get extra money. If you need some ideas, check out this post titled 70+ ways to make extra money this month.

I’m still amped at how I increased my credit score by 100 points. I never thought it would have increased by 160+ points in a few months. I’m proof that even if you have thousands of dollars of debt, you can still increase your score. If you have a low credit score, I want you to realize that you can raise your score too. You just need to create a plan. Remember, 65% of your credit score consists of your payment history and the amounts owed. So make sure that you pay your bills on time. Don’t procrastinate like I used to do. There’s nothing fun about having delinquent accounts.

Credit Sesame

One tool I use when looking at my credit score is credit sesame. Credit Sesame has a financial debt analysis tool that shows you your total debt. It then breaks the debt down into categories such as credit card debt, student loans, and others.

Credit Sesame also goes into detail about your credit score and credit report. They also give you several credit recommendations. Those recommendations could be credit cards that you can sign up for or personal loans that can help you pay off high-interest debt. Did I mention that credit sesame is free to use? All you have to do is sign up.

If you’re interested in getting your credit score in order, click here

After reading this post, I know you now know how to increase your credit score by 100 points. If I can do it, you can as well. It may not be easy, but you can do it.

I want you to get a copy of your free credit report. You can get at least one free copy per year from the three major credit reporting agencies. The three credit bureaus are Experian, TransUnion, and Equifax. The reason that you should get all three of them is to compare each one. You want to ensure that there aren’t any inaccuracies in the credit reports. Make sure that all of your credit information is correct. That includes lenders, addresses, lines of credit, and more.

Once you have the credit reports, open a blank excel sheet or get a pen and a piece of paper. Write down all of your bills and debts that you have. You should write the payment amount and the payment due dates. Also, note if you are past due or not. From there, it’s time to get to work. Follow the steps above and wait for your credit score to go up.

It may not happen overnight, but your credit score will improve. Hopefully, you’ll be able to say that your credit score increased by 100 points in a few months. Below are some other blog posts that will help you with your credit score.

5 Free Credit Report Websites

How You Can Raise Your Credit Score

Getting Your Credit Score in Order

5 Ways You Can Improve Your Credit Score

What are the most that your credit score has gone up in a relatively short time? Do you wish your score was higher?



  1. Congratulations Jason!! Hard work+discipline=results. I wonder how things will look by December?

    1. Agreed. Things should look very good by December.

  2. You are on a roll Jason!

    I applaud your commitment and dedication. It will pay off one day soon.

    In the UK, many students leave university in debt. Not the ideal way to start out but what is the alternative – refrain from attending university and limit their opportunities?

    1. There are a few alternatives. One is going to a community college for two years to lower the debt. Another is to make the best grades possible in high school so that you are able to get multiple scholarships.

  3. Well done Jason, thanks for sharing
    You have worked hard I guess.
    I really like your well-structured approach to everything

  4. Congratulations Jason – that takes a lot of discipline. I hope you’ll update us by the end of the year, that should prove interesting. What a motivator you are.

    1. Thank you. I will definitely update you with my score at the end of the year.

  5. You are kicking butt, Jason! I admire your dedication and perseverance to make this happen! Yahoo on the new credit score!

  6. Congratulations on improving your credit score like that. I’m sure there’s a lot of people out there who would do well to follow your advice.

  7. Congratulations on having a plan to reduce your debt and sticking to it. The credit bureaus can be very finicky about how they calculate your score. I don’t have credit card debt, but my credit score went down slightly because I had too many inquiries about my credit rating in the past 12 months. That’s because I moved to a new state and your credit gets checked by your new landlord, your bank, utilities, etc. That I have no control over and it seems like a very arbitrary reason for the credit bureaus to lower your score.

  8. Thank you for the valuable financial information – sounds like fantastic advice! I’m sure that your credit rating is still in excellent condition!

    1. Thanks for reading. I’m glad you enjoyed the article.

  9. Great work. It’s been a long process for me after a divorce, but very rewarding. Thanks for the tips and it reminds me I haven’t checked my reports in a while.

  10. great tips! currently trying to raise my score.

  11. David Arndt says:

    Thanks for this information. I do need to increase my credit score.

Comments are closed.