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What Is The Fastest Way To Repair Your Credit?

What is the fastest way to repair your credit?

Hands down, this is the most common question we get asked.

When we’re having a consultation with our clients ( or prospective clients), it’s not too difficult to answer because we can see their credit reports. We’re able to prioritize and figure out the fastest way to increase their credit score.

But, when it comes to writing an article and not being able to see the actual credit profile, it’s nearly impossible.

That’s why I’ve put off writing this article for so long. It’s been on my list of articles to write for about 5 years. It’s difficult to give you actionable advice while being vague at the same time.

But I’ll give it my best shot. Keep in mind that I’m going to paint some very, very broad strokes.

Different credit profiles need different things

Credit profiles are unique to each person. Nobody in the world has a credit report exactly like yours. The fastest way to fix your credit is probably entirely different than what I might need.

Let me give you an example:

Let’s say you and I both need to raise our credit scores by 40 points in the next 30 days.

For me, paying down a credit card might do the trick. But for you, it might be paying off a collection.

Let’s dig a little deeper into that collection scenario because not even all collections are created equal:

Client A: Has a collection that’s 6 months old
Client B: Has a collection that’s 3.5 years old

Since client A’s collection is newer and likely to do more damage, paying it off or removing it could raise their credit score by as much as 25-40 points.

But, since client B’s collection is much older, it’s probably not doing too much damage to their credit score, and thus, removing it won’t have much of a positive impact either.

Let’s take that a step further…

Let’s say you and I have the exact same collection. The same dollar amount, the same creditor, and even the same charge-off date.

The only difference is that I have 2 additional collections, and this is your only negative mark.

If you were to get your collection deleted, it’s likely to have a much bigger impact than it will on my credit score.

Why? Because it’s your only negative account and I have several derogatory accounts. Hopefully, you’re starting to see that when it comes to rebuilding credit, there is no one-size-fits-all quick fix. That’s not to say you can’t repair your credit quickly.

We’ve seen people’s credit scores go from 500 to high 600’s even 700’s in as little as 30 days. Granted that’s not the norm, but the point is that you can fix your credit, sometimes quickly, it’s just a matter of finding the fastest way to address your personal and unique situation.

5 tips to rebuild your credit anybody can use

1: Get any past-due accounts’ current

2: Make sure all revolving accounts are below 30% utilization ratio

3: Dispute all inaccurate information on your credit report

4: If you don’t have any revolving accounts, get one or be added as an authorized user

5: If you can’t pay your accounts down below 30%, consider opening an additional account


Credit profiles are unique, and there is no such thing as a “one size fits all” approach to rebuilding a bad credit profile.

It’s all about understanding your situation and being able to prioritize what actions to take that would have the most positive impact on your personal and unique profile.

Credit Repair FAQs

Best places to get your credit report

Is it worth paying someone to fix your credit?

It can be, but it can also be a complete waste of money. If you’re paying somebody to just send dispute letters on your behalf, I personally think it’s a waste. On the other hand, paying a company to help prioritize the “workflow” for you, is worth it’s weight in gold IMO

Can I raise my credit score by 50 points in 30 days.

It’s possible, but again, it goes back to creating a plan of action specific to your personal credit report.

How long does credit repair take?

Another impossible question to answer without seeing your credit report, but taking an average of a credit score of mid-500s 3-6 months is generally a realistic timeframe.


Learn the credit repair process


Experts in all things credit and debt, My Credit Group has been working in the credit industry for more than 19 years and is considered a leading authority in the field.

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