How to Raise Your Credit Score FAST

Ride some coattails to a higher credit score!

Living off the grid sounds great.  You don’t have to field calls from telemarketers or keep up on with the latest Trump headline.  As long as you find a way to take care of hygiene once in a while, life will be good.

For those of us not looking to live in the wilderness with our family, a credit score becomes very important.  To get a house, car or education, you will need a loan at some point.  In order to get a loan, and then get a great interest rate on the loan, you will need a great credit score.

Many writers, including myself, have written about how to increase your credit score.  FICO, the people who assign your credit score, even have a nice graph that shows what factors affect your score the most.

As long as you make your payments on time and keep your credit utilization low, you should be good.

It can take years to build up a great score.  But what if you want to increase your score quickly?  And with almost no work needed?

There is a way to do just that by using a little feature all credit card issuers offer.  Enter the authorized user.

Authorized User Pros

Almost all credit card companies allow you to assign an authorized user (AU) to your account.  The primary card holder will sign them up, and it can be usually done online by entering some information about the AU.

Once the AU is approved, they get their own card with their name on it.  But all charges need to be paid by the primary card holder.  If the AU goes on a spending spree, the burden will still fall on the primary card holder.  So be very careful who you choose.

The AU does get a number of benefits:

1.  Credit score boost!  This is arguably the biggest benefit of being an AU.  If someone is young with no credit history or has a low credit score due to some past mistakes, becoming an AU can be a good option if the primary card holder has a great credit score.  Being an AU will put the primary card holders info on the AU’s credit report.

While nothing is guaranteed in the credit score boosting arena, if the primary card holder has a great score and a stellar credit history, the AU will almost always see a boost in their own credit score.  This can especially be helpful if one spouse has a great credit score and the other needs to build some credit.  Just add the spouse as an AU and watch their score skyrocket.

2.  Using a great credit card they would have otherwise not have been approved for.  Many people either have no credit or a low credit score.  This means they will likely not be approved for any of the awesome reward cards on the market.  Even though the primary card holder technically gets the rewards, if a family member is an AU it’s more points for everybody!

Having access to a great card such as the Chase Sapphire Preferred or American Express Platinum card has many additional benefits such as primary rental car insurance and travel benefits.  And with the associated credit boost that comes with being an AU, they might be able to get that great credit card on their ownat some point!

3.  Responsibility.  With a safety net.  A credit card is like a machete.  It is a tool that can be used to your benefit.  You can track all of your expenses in one place.  And you can earn some great rewards depending on what type of card you have.  Responsible credit card use has many benefits.

But it is also a tool that can harm you if not wielded properly.  Late payments and carrying a balance will dig you a financial hole real fast.  Double digit interest rates will quickly erase any gains from investments you may have.  And it’s really easy to get into credit card debt if you’re not careful.

Being an AU eliminates the risk of you getting into trouble with a credit card.  But only because the responsibility is on the primary card holder!  Hopefully, they are savvy enough to be able to erase your mistake and counsel the AU on not making them again.  This is a rare free pass in the financial world.

So the risk falls squarely on the primary card holder.  The AU is in the clear.  But if they’re not careful, the primary holder just has to make a call and tell the company to drop the AU.  So the risk is there, but can be minimized in an instant.

Big Upside with Little Risk

Adding an AU is an easy process that can be potentially beneficial for the AU.  It can provide a nice credit score boost if the primary card holder has a great score.  And the AU will get the benefits of using a credit card with potential rewards.

The risk falls on the primary card holder.  If the AU has a spending problem, the primary holder has to foot the bill.  Luckily, they can also cancel the AU in an instant.  So the risk is relatively small.

So to summarize, you CAN increase your credit score pretty quickly if you become an AU with someone that has a great score.  A lot will still depend on your own credit activity, but if you make it a point to pay your bills on time and not over utilize your credit, signing up as an AU can provide a nice credit score boost.



  1. Dennis Gomez says

    I had a situation where my former landlord put all these charges on my credit saying I damaged the apartment and I left early, none of which is true. I was exploring the lawsuit option but in the meantime, I was not able to rent an apartment because of this and it destroyed my life. I didn’t feel I had to pay for something I did not do. they can neither validate nor show any proof of damages. I was informed a ethical hacker helps people in cleaning credit which I am so happy about. I tendered my problems to them and they removed all damaging info on my credit. It took them a couple of days to get my credit cleaned and it’s such an amazing feeling to be finally free from all that problems I had. THIS IS CREDIT REPAIR SERVICE AT ITS BEST(contact details: creditmasterfix

  2. Paul Mattive says

    I was able to delete all negative items on my credit report with the help of this great hacker called cyber Frank, I got in touch with him with faith, He helped me increase my credit score to 800 excellent and He help me remove the eviction on my credit report within 1 week. He also help me pay off my mortgage loan and credit card outstanding within few days, His service are fast with no trace. I would have kept quiet about this, but i won’t be able to forgive myself for not helping people who are in terrible conditions like i was. Feel free to contact him on his email address : cyberfrank666 AT gmail DOT com.

  3. Martha Mcintyre says

    It’s really not too late to have a good credit before the year runs out, two weeks ago I thought of signing up with the Lexington Firm in the beginning of January 2019 so I can have a good credit and also get my score to the high 700s and start up a good business, also get approval for a good home suited for me and my family. I was in the middle of a discussion and I couldn’t grab all the information from 2 women talking about a guy called “Roderick” who helped them cleared their debts so I decided to go home and do some research about him, I also read different interesting reviews that moved me then I decided to email him on CREDITSMARTSPY at GMAIL dot COM and told him exactly what I needed from him. We discussed the process and started next day which lasted for approx. 10 days. The amazing thing is Roderick came through when I already gave up on having a good credit this year. Contact him now and have a new start.

  4. Barb Geivett says

    i have maintained a high credit score just by paying all of my outstanding bills on time and I also have a low debt-to-income ratio at all times.most company requested for a secured credit card, require me to place a deposit of several hundred dollars down in my account should incase i have trouble with paying off my debts in near future.i needed a mortgage and a new car, i needed my credit limits increased so that my total available credit and the percentage of debt to available debt that i have on my report which i considered good for loan.A close friend of mine recommended someone who assisted her to hack her fiancee Facebook account.This hacker increased my credit limit to $19000,Now i can get my house and a car with ease. Here is his Contact Email CREDITSMARTSPY @ gmail dot com

  5. Jerry Reynolds says

    I have a very good experience with these guys, they were very easy to communicate with and did a good job in settling my debt. I would definitely recommend them to anyone needing help. My Husband is a driver. We have really done a few good on our credit reports. We have been trying to raise our scores to mid-800 his score is 519 while mine is still in the high 500’s. (I think is 536 currently.) I also have a judgement against me for a credit card. The judgement doesn’t appear anymore on my credit report, I assume because it’s over 6 years old. I’m pretty sure it didn’t just “go away”. All effort to increase my credit score and eliminate all the negative items on my report proved abortive until I saw good remarks of how this credit expert “ROD” had helped people. Here is his contact [CREDITSMARTSPY@GMAIL.COM]. He did a monumental job by helping us raise our credit score to 826 and 814 respectively and removed all the negative items replacing them with beautiful trade-lines. Just a couple of days after, we fixed agreement.Help with debt settlement.. email: creditsmartspy @ gmail dot com

  6. My credit score was really low and I needed urgent help fixing it. I lost my job for a year and I really got behind on bills & my loan payments which left my credit in a mess with a low 528 score. Luckily, I got a job the following year and I was desperately in need of help to fix my already shattered credit. I resorted to going online searching for help, when I came across a fixer specialized in credit repair on a social forum and he had so many positive reviews. I mailed BETTERCREDIT247 @ GMAIL .COM and he guided me on the whole repair process as well as time frame of completion. In no time I pulled up my report and I saw for myself the amazing changes he had made. Not only did he increase my score to 787, he also made the late payments I had appear as on-time payments coupled with other negative items which he corrected. I am really thankful for how he changed my credit score so i am recommending him to everyone.
    Contact him BETTERCREDIT247 @ GMAIL .COM

  7. Adams Brown says

    I’m very happy to be one of those writing positive comments about a hacker because prior to my contacting a hacker, I almost didn’t believe it was actually possible to get your credit repaired by one but I’m so glad it worked out and I now know a trusted hacker. He erased my bankruptcy which was the cause of a lot of other problems and raised my credit scores to excellent scores. His address is GOLDENCREDITDIRECT@GMAIL.COM

  8. Karrisa Boyce says

    I am pleased to refer BETTERCREDIT Team to anyone in search of a very good hacker, before now I met a lot of fake hackers who took my money without providing the services they promised till I met BETTERCREDIT through a friend. I must Say they are the best; they replied my every mail and calls and took me through the process and my credit score increased within a week to 780. My Life is a lot better now because I’ve gotten approval for loan.

  9. Viola Wayden says

    Hi Guys,
    I met CYBER FRANK online and helped me solve my credit issues.
    However, if your in UK, US OR AUSTRALIA, I know a really good credit specialist
    That will fix your credit to get you approved for a home loan, mortgage loan, medicals and many more.
    He has connections to all 3 credit bureaus. You can also contact him: (CYBERFRANK666@GMAIL.COM) OR CALL (207) 689 0256

  10. I’m 29 years old and in $30,000.00 worth of debt. My credit score was 574(which I knew was pretty bad). I do make my payments on time but because I had applied frequently for credit cards and my credit accounts has been open for a long period of time, it lowered my score significantly. I am also a single parent of two young boys and paying the debt was killing me so I decided to contact a credit specialist to help me wipe the debts and also raise my score up so I can get a loan. The credit guy erased the debt within 7 days and got me up to 790. Here is his details : C R E D I T S P E C I A L I S T 4 @ G M A I L . C O M.

  11. I never believed my Life could turnout this amazing after facing a lot of issues with my Credit Score and Tax debts and my 3 Credit card got paid, as a matter of fact I just loosed my job recently, to cater for the kids is another burden on me since I’m a single mother of 4, thanks to Eric (PERFECTSMART955@GMAIL.COM) you are such an awesome (HACKER) for fixing things up for me.

  12. Hi, my credit score was pretty bad last February, but I paid Computer Warehouse Group 2 weeks ago to wipe everything bad off and raise my score as well. It was old medical bills, student loans and a lot of inquiries. They cleared everything within 5 days and raised my scores to 780. I just qualified for a home and that makes me fee really happy. contact: (C O M P U T E R W A R E H O U S E G R O U P 1 @ G M A I L . C O M).

  13. Maggie Burton says

    Thank you CROUCH for a great job on my credit!! I was very skeptical to come into the program, but I read some of the Rating and it gave me the confidence that I needed to repair my credit. Crouch Repair Service is very professional and it does what it meant to do. They work so hard to repair your credit and you can see the progress in your credit score immediately. They help me wipe all the negative items on my credit report replacing them with beautiful trade lines. Once again I recommend Crouch Repair Service to anyone who would like to repair his or her life because bad credit affect your whole life, emotionally and socially. Hit them up via email or text:
    [C R O U C H R E P A I R S E R V I C E @ G M A I L . C O M]

  14. Hello guys my name is Charles Ray, i was really in an embarrassing financial dilemma due to my poor credit score which led me to meeting some impostors online who claimed to help me but rather worsened my problem. My search eventually paid off when I met Jamie through a reference online (May God bless him). His work experience, professionalism, and discretion is top-notch. He increased my score from a low 430 to 785 and cleaned up all the negative items on my report, replacing them with mortgage trade line, auto trade line, installment trade line and revolving credit cards in just 7 days. These finally got me the mortgage for my new house and several loans thereafter. I am so happy right now all thanks to him. I just had to share this. You can contact him via email; DPROTOCOL7@GMAIL.COM . Be guaranteed that your credit issues will be sorted out and good luck. +1 954 417 4613

  15. Brittney Allen says

    I am having AMAZING results! CROUCH has removed 21 items from my credit report! I’m a business owner of a new small business so this is all very crucial for me! I don’t know what I would do without them. They help me increase my score to a whopping 790. They really know their stuff! Thank you CROUCH! You can contact them on their email: (C R O U C H R E P A I R S E R V I C E @ G M A I L . C O M), I am Brittney Allen.

  16. My husband and myself filed for bankruptcy in 2012 now in 2017 we are wanted to buy a house but we had no credit at all. This was because after the bankruptcy we didn’t want to get sucked in credit card debt again so we save and pay cash for EVERYTHING. Recently we needed to build our credit again so we can be qualified to buy the house. We contacted a credit specialist and in 7 days, he rebuilt our credit and our scores went from 525 to 780 across all 3 credit bureaus. Thereafter, we bought a house and our credit still looks good. Here is his contact details : C R E D I T S P E C I A L I S T 4 @ G M A I L . C O M.

  17. Willie Douglas says

    Who else is tired having credit report issues? I had eviction on my credit report and a poor FICO score of 550, I got notification from a Google forum and lot of testimony about Aaron Swartz. A miracle suddenly happened which I never believed was possible until I get in touch with him, He help me raised my FICO score to a 820 golden score and removed the eviction from my credit report. He’s affordable and always at your service. Contact A A R O N S W A R T Z C Y B E R S E R V I C E S – //@/ – Gmail Dot CoM

  18. Kelvin Jeorge says

    Fixing your credit is hard, working with Repair wizard has been amazing. They are very serious yet understanding about how life works and problems come up….love everyone I have worked with. I definitely recommend them to fixing credit that is damaged or just have problems. Trust me it is worth it! Contact them on: REPAIRWIZARD4 at GMAIL dot COM.

  19. Megan Elliot says

    Good news!!! After so many months of searching for a real hacker and getting ripped off i finally found this genius, a professional Texas hacker by the name Repair Wizard. This guru helped me erase every single bit of ill records I had on my report. Fix my credit score by using more of my credit cards then my debit card or checking account…Wow he is the best….Now I could get a loan to buy my beach house and a car of my choose… Kindly contact him on: R E P A I R W I Z A R D 4 @ G M A I L . C O M.

  20. Barbara Wills says

    Hello am Barbara Wills I was in big debt and financial mess credit score account very low I meet various people online who promised to help but then end up been scam but thanks to Jamie Clever who introduced me to this world best hacker who made me financially free again. I strongly and wisely recommend Contact today and have your financial freedom and increase credit score .

  21. Laura Norman says

    I applied for a house and a car loan but was rejected because I had a low credit score 493 with a couple of negative items (including eviction, bankruptcy and a judgment), I was really devastated and perplexed. I ran into an old family friend, I explained everything to him and he eventually introduced me to a hacker who happens to be a former FICO agent. within 7working days, he had my credit score raised to 780, wiping out the entire negative items with the addition of some good tradelines. I swore to reveal the hacker’s proficiency to the world if he should fix my credit. Well here I am recommending [R A N S O M W A R E C R E D I T at G M A I L dot C O M] for your credit score & credit report issues, he is a true credit specialist.

  22. I can’t keep this on my mind without posting his good work so the rest can use him because he’s capable. He helped me clear all the debts on my credit cards and make money available once again. He is always willing to hear my story over and over again, He assure me a pull back on my credit score. I explain how i’m in debts consolidations and also let him know i have some couple of credit cards that are maxed out. He helped me increase my credit score to 810 which is a golden score and also clear all the negative collections on my report within 2 weeks. He is worth working with. (Kevinmitnickcreditexpert /AT/ gmail /DOT/ com) or (912) 380-8359)

  23. I’m eternally grateful. I wouldn’t be a proud owner of a home and a comfortable lifestyle if not for him.Some months ago, I had been in search of a good credit agency to help me erase my credit report which was preventing me from getting a loan or mortgage., I got scammed by fake ones who claim to be credit repair gurus but finally couldn’t help me. However I still had high hopes of getting my credit fixed,I tried the 3rd hacker I saw through Google recommendations (Kevinmitnickcreditexpert At Gmail doT Com). Unlike every other experts that failed me, he delivered on the job within 72hours.
    He did not just only increase my credit score to 820 from a low 450, but also removed 4 negative items which included an can get in touch with him on his regular mail Kevinmitnickcreditexpert At Gmail doT Com or text him at +1(912)380-8359.

  24. IF YOU’RE LOOKING FOR THE BEST WAY TO RECOVER YOUR FUNDs HERE IS THE ANSWER. But if you are dealing with an unregulated binary options broker, then you need some expert’s assistance. For losses of 50,000 or more, this would be an option to consider. It actually hurts and bring tears to my eyes when I read comments of scammed victims ripped off by BINARY OPTIONS AND FAKE RECOVERY EXPERT on forums. mail: , Ew5599013 AT this information 100% security guaranteed NOTE from klynxx linx

  25. evelyn watson says

    I would love to introduce you to the service of Kevinmitnickcreditexpert AT gmail. com who’s services are 100% real and genuine,he help fix my credit issues,mark d all debts as paid,removed all collections and increase my credit card limit to $5000 all within one week.I never believed this could be possibly done but he proved me wrong by providing a good result which made me and my family happy….We are forever grateful to him for the excellent job he pulled out cos we suffered a lot due to this low credit score,but now we can get everything we want (Loans,Credit card, getting approved for higher limit,another others).Reach out to him to get your credit fixed right now to avoid been scammed by all the fake credit repair agencies again

  26. “I just wanted to write you a letter to express my gratitude for all the work you’ve done for me in correcting my credit issues. I was not sure what I was getting myself into when I spoke with you a week ago…I did not think you could get my credit re-established as soon as you did. By using your service and by being patient, you have cleaned up my credit to the point where I can now be qualified to purchase a home as an “A” paper borrower!! Absolutely amazing!!! You took my bad credit with bad fico scores of 450 and increased it to 810!! Oh and to let you know I recently applied for a car loan at Bank and I was approved!!! I got a good rate and the vehicle I wanted. I could never even think that this could happen as soon as it did. Thanks a MILLION. I have been telling all my friends and clients about you. You deserve a ton of recognition for what you do. Hopefully this letter will assure others to trust your service and let a miracle come to pass, email:Kevinmitnickcreditexpert At Gmail doT Com or text him at (912)380-8359 .

  27. Alyssa Stephens says

    I was all in debt and was confused about what to do with my life until i found Aaron Swartz on Quora forum. He help me increase my credit score to 820 excellent standard, He also help me delete my hard inquiries, evictions and criminal records within 72 hours. He help clear my credit cards, accounts debts and make money available once again. Contact A a r o n S w a r t z C y b e r S e r v i c e s AT Gmail Dot Com

  28. Melvin Johnson says

    After deciding to buy our first home, my wife thought I was delusional because we had a terrible credit and couldn’t get a loan with that but I was determined to get us out of our place to a better & bigger place & that was how the search for a solution started. I was lucky to stumble upon this credible hacker with email address H a c k K i n g Z e u s At G m a i l D o t C o m. I absolutely cannot overemphasize how good this hacker is. I mean he raised our scores and fixed our credit within 3 days so we could apply for the loan. My wife trusts my decisions now, more than ever. I’m so proud to be writing this.

Speak Your Mind