How to Raise Your Credit Score 100 Points Overnight! (Instant Results)

08-10-2020 Home  »  Money  »  How to Raise Your Credit Score 100 Points Overnight! (Instant Results)

Hello everyone! Shawn’s the name and Credit’s the game today!

I know that building a strong credit score can take some time if you have some gnarly things on your report…

However, since I’m a Mortgage Lender in Arizona and Texas, I’m constantly looking at credit reports to see if we can get some easy points here and there so I can get my clients:




So I’ve been around the block and have learned a few credit secrets along the way.

Figured I’d do what I do best and make a blog post on them so all of you can boost your scores up!

For example, if you are looking to buy a home or a car or something within the next 30-90 days and you need your credit to be JUST A LITTLE BIT  higher. This is the type of blog for you. This blog is for those looking for a quick fix or a band aid to get a better score if you’re in a pinch.

However, if you’re looking for a permanent fix to your credit score, then you’ll definitely want to watch some of my other videos on credit. Especially THIS one.

So here we go. 

Here are 3 strategies that are a quick fix for your credit!

Again not a permanent solution to perfect credit, but this is a great start. 

I’ve been able to help some clients raise their credit up over 100 points immediately with these following 3 strategies so it’ll just depend on your specific credit profile!

Let’s start with the more well known strategies and then we’ll get into some of the ones that are much more of a secret.


I’ve mentioned this before but it’s the most under-utilized strategy in the credit game. If you know a family member, a friend, or some random dude down the street who has great credit, ask them to add you as an authorized user on one of their credit cards. It’s simple. Here’s what that looks like:

“Hey dude do you have good credit?”


“Can you add me as an authorized user on one of your credit cards then? You basically just add my name on your card but I don’t actually need a physical card or anything.”

“Hmm why?”

“Because you have such great credit and a good history of credit that once I get added to your card, the credit bureaus assume that your credit history is my credit history so it’ll boost my scores tremendously”

“Will it hurt my score?”

“Helllll nah dawg. It only pulls info from that specific card. If I don’t use the card, there’s nothing negative to report to the bureaus.”

Boom simple. The problem is most people don’t know how to actually explain this or feel comfortable asking this but if you want your score to improve 100 to 150 points overnight, then you NEED to do this.

I’ve had numerous clients do this in the past. I literally took this guy from a 584 to a 748 overnight!


Now number two is something that’ll not only improve your score immediately but will also continue to improve your score over time. 

One of the biggest factors that make up your credit score is how much money you owe and how efficiently you’re utilizing your credit cards.

Oh and if you don’t know what makes up your credit score then watch this video. 

But back to my point. For example, if you have a credit card with a max limit of $1,000 and a balance of $950… then I’m sorry but you’re doing something wrong.

The credit bureaus want to see you use 30% or less of your max limit. So on a $1,000 card, that’s $300 or less.

If you have a balance of $950, and then pay it down to $300 or less, your credit score will skyrocket up overnight. We’re talking an easy 15 to 30 points. Then if you factor in having multiple cards, using that same formula, that could be 90 immediate points! Simple.

So imagine if you got added as an authorized user AND paid down your credit.

But to add the cherry to the top of this credit improvement cake… I recently found a super cool secret that’ll get you an additional 3-7 points overnight for taking 2 seconds out of your day.

And I haven’t seen anyone else talk about this but it has really gotten me out of some pinches if my clients need just a couple points to put them over a certain threshold. Which brings me to:


Basically you go to and click the button to Opt-Out. Then select electronic or permanent. Fill in your info and hit confirm.

Here’s what this does, it shows the credit bureaus that you no longer want to receive offers in the mail for new credit cards or lines of credit in general. This shows financial responsibility and in turn, a few bonus points!

It might only be a few points but a few points can make a serious difference! Sure made the world of a difference with my client Joe. Pretty incredible story but those few credit points is what made the difference on if Joe was going to be homeless or not.

When it comes to credit, EVERY LITTLE POINT COUNTS. If you do these 3 strategies of becoming an authorized user, paying down credit balances, and utilizing optoutprescreen – You will definitely raise your credit score incredibly fast.

Again it’s just a hotfix though. If you have major credit delinquencies or just some gnarly stuff on your report, then your scores will hit a ceiling.

That's a wrap for this post, I hope you enjoyed and don't forget GOOD CREDIT IS KING to a financial well-being.

Ready for the
next level?

Hi, I'm Shawn Malkou. I'm determined to help you succeed. My question is, are you ready?

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About Shawn Malkou

He is the shawn-of-all-trades. Starting his entrepreneurship journey at the age of 14 with a dream and a single YouTube channel, he’s then since broken into countless industries. As the founder of Dream2Succeed, co-founder of DishTheDeal, co-founder of DirectionDesk, and lover of all things media – Shawn prides himself in picking up a new skill quickly to then share with others.

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Ready for the
next level?

Hi, I'm Shawn Malkou. I'm determined to help you succeed. My question is, are you ready?

Let's Do It