Fastest Ways to Rebuild or Increase Your Credit Score

Start with a Secured Credit Card

• A secured credit card requires a cash deposit (often $200–$500) that becomes your credit limit.

• Because it’s considered revolving credit (unlike loans, which are installment credit), it has a much stronger positive impact on your credit score.

1. Why Revolving Credit Matters More Than Installment Loans

   • Installment loans (car loans, personal loans, mortgages) add some variety to your credit mix, but they typically won’t give a big immediate score boost.

   • Revolving accounts (credit cards) directly affect your credit utilization ratio—one of the biggest scoring factors.

2. How Many Credit Cards to Get

   • Ideally, open 2–3 credit cards (secured at first, then unsecured as you build trust with lenders).

   • Each new revolving account can help lift your score by 40–60 points in some cases.

3. Credit Utilization Rule

   • Never spend more than 20% of your credit limit on any card.

   • Example: If your card limit is $500, try not to carry a balance over $100.

   • Going over this can cause your score to drop.

4. Consistency is Key

   • Make on-time payments every month (even small ones).

   • Keep accounts open and active to lengthen your credit history.

5. No Need for Credit Repair Companies

   • Most of the time, you don’t need to pay a credit repair service.

   • By responsibly managing a few credit cards, your score will naturally climb over time.

✅ Pro tip: After 6–12 months of consistent use, many people qualify to upgrade from a secured card to a regular unsecured card, which further strengthens their credit profile.

Licensed States

California, Florida, Georgia, Illinois, North Carolina, South Carolina, Tennessee

📞 Contact Us

• Call/Text: 224-420-9990

• Email: bbutler@barclaybutlerfinancial.com

• Contact: Barclay Butler

🌐 Connect With Us

• Facebook

• LinkedIn

• X (Twitter)

• Bluesky

• Truth Social