Cre
Credit Score Improvement
Topic
N/A
Accuracy
Recent Predictions
Incorrect: 0
Pending: 29
Unrated: 0
Prediction
Author
Predicted at
Status
Video
The speaker predicts a credit score has improved from around 520.
"Pulled up from like 520."
Dec 5, 2025
Pending
The individual is currently attempting to improve her credit score, which is at 630, by paying off credit cards.
"I'm trying to raise my credit. I'm trying to pay off my credit cards. I think right now it's at like..."
Aug 22, 2025
Pending
On-time payments can improve credit scores by approximately 84 points for individuals with a credit score under 600.
"Your credit is under 600, it could jump like 84 points with on-time payments."
May 14, 2025
Pending
Achieving a credit score between 720-780 within 18-24 months will grant access to the lowest interest rates on loans.
"after 18 to 24 months of doing this you should have a credit score anywhere between 720 to 780 which..."
Mar 28, 2025
Correct
Maintaining a credit utilization rate below 10% is a significant factor in improving a credit score.
"pay off your credit card balances so that that way your utilization is below 10%"
Jul 24, 2024
Pending
Inaccuracies in credit reports, such as incorrect amounts owed or dates, can be disputed and potentially removed if the debt cannot be proven.
"if you find any inconsistencies with the amount that is owed the dates owed and so on you could repo..."
Jul 24, 2024
Pending
The severity of late payments on a credit score increases over time; a 90-day late payment is worse than a 60-day, which is worse than a 30-day.
"if you have any sort of late payment of any kind on your report just be aware that it only gets wors..."
Jul 24, 2024
Pending
Experian Boost is a free service that can improve credit scores by reporting on-time utility and phone payments as positive trade lines.
"Experian boost is a totally free optin service service that goes through your accounts and then trac..."
Jul 24, 2024
Pending
Becoming an authorized user on someone else's credit account is a method to quickly increase one's credit score.
"if you don't have enough credit but you want to increase your credit score as fast as possible you c..."
Jul 24, 2024
Pending
Being added as an authorized user can boost a credit score by an average of 22 points.
"it's shown that it could boost your score an average of 22 points"
Jul 24, 2024
Pending
Specific credit card issuers like Capital One, Discover, Bank of America, and Wells Fargo often report to authorized users' credit histories.
"Capital One Discover Bank of America and dwells Fargo are credit cards that will often report to the..."
Jul 24, 2024
Pending
Using a credit card is suggested as a quick and easy method to improve one's credit score.
"one of the quickest and the easiest way to improve your credit score is to use a credit card"
Apr 24, 2023
Pending
Checking one's own credit report does not negatively affect the score, and Experian provides tools for monitoring and improving credit.
"Most people are not aware that checking their own credit report has absolutely no negative impact on..."
Aug 8, 2022
Pending
Experian Boost is a free service that can improve credit scores by reporting on-time utility and phone payments.
"They also offer a service called Experian Boost, which is a completely free opt-in service that link..."
Aug 8, 2022
Pending
Experian's service allows users to track their FICO score and credit report, understanding factors influencing their creditworthiness.
"Experian has a service that allows you to take control, track your FICO and credit report, see exact..."
Aug 8, 2022
Pending
Experian offers free FICO scores and their products and services are recommended for credit score improvement.
"And that you could get yours for free from our sponsor, Experian. I'm actually really glad they reac..."
Aug 8, 2022
Pending
If a credit card has an annual fee, downgrading to a no-fee option is advised to preserve account history without incurring ongoing costs.
"If the card does have an annual fee, consider downgrading the card to a free option, so that way you..."
Mar 21, 2022
Pending
The strategies presented in this video for improving a credit score are estimated to be worth at least a few thousand dollars to the viewer.
"I guarantee this information could be worth easily a few thousand at minimum if you just follow alon..."
Mar 21, 2022
Pending
Disputing inaccuracies on a credit report can lead to their removal if the reporting agency cannot provide evidence to the contrary.
"If you see anything out of place and they can't prove otherwise, they'll be forced to remove it from..."
Mar 21, 2022
Pending
Becoming an authorized user on someone else's credit card can allow you to benefit from their established credit history, thereby improving your own score.
"This is when someone else with an extensive credit history adds you as an authorized user to their c..."
Mar 21, 2022
Pending
Some credit card issuers (Capital One, Discover, Wells Fargo, Bank of America) will report an authorized user's past credit history, while others will only start reporting from the date of authorization.
"As of right now, it appears as though Capital 1, Discover, Wells Fargo, and Bank of America will rep..."
Mar 21, 2022
Pending
When becoming an authorized user, it is crucial that the primary cardholder has a strong credit history with no late payments and at least 3-5 years of experience.
"You really need to make sure the person who's adding you as an authorized user has at least 3 to 5 y..."
Mar 21, 2022
Pending
Reducing credit utilization to under 10% is identified as the most impactful strategy for quickly improving a credit score, given its 30% weighting.
"I would say for most people, this is going to have the biggest impact to your score in the shortest ..."
Mar 21, 2022
Pending
A higher credit score resulting from paying down balances is typically reflected on credit reports within 14 to 30 days.
"And once this happens, a higher score is usually reflected in 14 to 30 days."
Mar 21, 2022
Pending
Opening new credit lines to increase available credit can lower the credit utilization rate, even if spending remains the same, thus improving the credit score.
"Meaning, if you have $5,000 of available credit and you spend all of it, that's a 100% utilization, ..."
Mar 21, 2022
Pending
Experian Boost is a free service that can improve credit scores by incorporating on-time utility and phone payments into your Experian credit file.
"Experian Boost would aim to fix that, and most of you would be able to qualify. Now, none of this is..."
Mar 21, 2022
Pending
The severity of a late payment's impact on a credit score increases with the duration of the delinquency, with 90-day late payments being worse than 60-day or 30-day ones.
"If you have any kind of late payment, just be aware that it only gets worse the more time goes on. F..."
Mar 21, 2022
Pending
Utilizing Experian Boost can increase positive credit history and add records of on-time payments to a credit report.
"Doing this will give you more positive credit history and will add on-time payments back to your rep..."
Mar 21, 2022
Pending
It may be possible to have a late payment removed from a credit report by politely requesting it from the lender as a courtesy.
"You could always try calling them up to see if they'll remove it as a courtesy. Now, to be clear, th..."
Mar 21, 2022
Pending
To maintain the age of credit accounts without incurring fees, it's recommended to make small, infrequent purchases on no-annual-fee cards to keep them active.
"The rule of thumb here is that if they have no annual fee, just charge an occasional $1 Amazon gift ..."
Mar 21, 2022
Pending