Around five years ago, I had an incident in my life that spun me into financial distress for some time. During that time, I ended up defaulting on three credit cards, two being from Bank of America, and the other being from American Express. It should be no surprise that defaulting on three credit cards would absolutely plummet your credit score, and it did. While I’m not able to find documentation of what my credit score was back then, I do remember it being low 500s, so finally, being back in the 700’s now is a great relieve. In this post, I’m going to cover what I specifically did over the last 3-4 years to improve my credit score to 684, and what I did just a few weeks back to propel me an extra 60 points overnight!
Credit Monitoring Tools I Use
For starters, if you want to improve your credit score & credit report, you have to have access to both. The following are the tools I use:
Credit Karma: A free tool for everyone that displays your TransUnion & Equifax credit report. Updates your report/score every week, and provides you with a VantageScore 3.0.
Credit Sesame: A free tool for everyone that displays your TransUnion credit report. Updates your score once per month and provides you with a VantageScore 3.0.
Chase Credit Journey: Must be a Chase customer to have access to this tool. Chase provides you with your TransUnion credit report and updates your report/score every week. They also provide you with a Vantage 3.0 score.
CapitalOne CreditWise: Must be a CapitalOne customer to have access to this tool. CapitalOne provides you with your TransUnion credit report, updates weekly, and provides you with a VantageScore 3.0.
Experian: A free tool available for everyone. You will have access to your Experian credit report, receive an update once per month and most importantly, have access to your FICOSCORE 8.