Credit repair doesn't require expensive services. These five proven strategies can boost your credit score by 50-100+ points within 90 days using free tools.
The 5 Strategies
- Become an authorized user on an old, high-limit card (+30-50 points)
- Pay down credit utilization below 10% (+20-40 points)
- Dispute inaccurate negative items on all 3 bureaus (+varies)
- Request credit limit increases without hard pull (+10-20 points)
- Use Experian Boost to add utility and subscription payments (+10-20 points)
The fastest impact comes from reducing utilization. Paying down a maxed-out card to 10% utilization can add 50+ points within one billing cycle. Never close old cards — age of credit matters.
