Don’t game the system
Going back to the legal ways to fix your credit — there are faster ways to fix your credit. Fraudulent "credit repair" companies advertise ways to "instantly fix your credit." And you want to avoid them at all costs.
The truth is, there is only one way to instantly fix your credit, and that's by fabricating a new credit identity. It's illegal, and if you come across one of these companies offering to "help" you, report them to the Federal Trade Commission. These fraudulent companies will charge you a ridiculous amount of money to illegally set you up with a new credit profile under a fake Social Security number, and then they'll disappear off the face of the earth.
You may not even notice you were swindled until federal agents come knocking on your door accusing you of "criminally-liable identity fraud." Yikes. It may sound crazy, but you can wind up in jail by taking advice from the wrong people.
The only legitimate ways to improve your credit take time. But if you follow these steps, you'll be on the quickest and safest route to a better credit score.
Learn how to improve your credit score step by step.