Hello readers Reggie Pinkston Mr. I wanna go fast here. I hope you enjoy our post here on how to get an 800 credit score in 45 days.
I’ve got a really cool secret for you, a lot of you may not know this but I once worked for a debt collection service……which gives me a special insight on credit and debt.
First I’m going to give you a strategy that can work in 30 to 45 days…for now. Then I’m also going to share with you a strategy that takes a bit more time but will work forever.
If that sounds good to you go ahead and like and share this page right now, it’s free and would help us out.
How to get an 800 credit score in 45 days, strategy 1
Ok guys welcome to the blog where we teach people how to get and keep good credit, how to get hundreds of thousands of dollars and how to flip that into profits using online and offline skills.
The number one topic today is of course credit since that affects so many areas of everybody’s life.
As an expert on the subject of personal credit building and a mentee of one of the best when it comes to business credit development we feel we’re in a special position when it comes to giving you instruction on credit building and creative ways to use it.
We personally like to create income that’s recurring and as passive as possible meaning that it’s coming in on time monthly and it’s coming in whether you’re grinding, relaxing with the family or just enjoying life.
Read this whole blog from front to back to really catch the gems that can change your life for the better.
So the first step to get there is credit. The quickest way to secure the lifestyle we just spoke about is with business credit and the quickest way to get access to that is with great personal credit.
So the first way to get an 800 credit score or a great score is thru an A.U. otherwise known as an authorized user account. Basically this is where you are added to somebody else’s tradeline or credit card account as an authorized user and within 30 to 45 days you will adopt the entire history of that account.
So let’s say for example you find a family member or close friend that has a credit card with a long history of on time payments – say about 6 to 15 years, a high credit limit – maybe $5000 to $15,000 and good credit utilization preferably 0 to 6%.
You ask them to put you down as an authorized user on that credit account. Real easy to do. It usually only takes a short call or filling in a couple items on your virtual banking dashboard.
Some things you should know
Before we continue you should be aware of Some things a primary cardholder might be concerned about. Like ….what if my credit is negatively impacted as a result of adding this person who has negative credit to my credit card account. Rest assured that will not happen.
None of the negative information will show up on your credit report.
The info and history only go one way – the positive account history will show up on the authorized users account. Also they can be removed from the account at any time.
Unlike being a cosigner where you’re not off the hook until the account is closed and paid in full.
The A.U. strategy has all the benefits and none of the risk as long as these things happen. The primary cardholder does not run up a high balance, miss any payments and does not give the authorized user access to the actual credit card and the info to use it.
Here go some more things you should be looking for.
The best accounts to be added to are ones that actually report. The easiest way to know if the account reports is if they ask for an social security #. If they don’t ask for a social security # it will not report. To make sure it reports you can simply ask.
Once again the account should have a large limit and a long history….the longer the better.
I wanna emphasize that the A.U. strategy should be used to build your own credit….because if you pay for the account usually the longest the primary user will leave you on their account is two months. So it’s best to strike while the iron is hot. Leverage the history, balances and all you can get from the account to position yourself or your credit to be a beast.
This is for sure an easy way to get an 800 credit score as soon as possible.
NOW….we’re going to reveal how to get to an 800 credit score by putting in a little bit more effort.
You can be sure this tactic will last for a long long long time. Plus you can use this technique if you don’t have someone that will sign you as an authorized user. Or you can’t afford to pay for the service.
If that sounds good, like this page and share it if you haven’t already…and of course hit the post notification squad button if it’s still red…now your one of the cool kids.
How to get an 800 credit score in 45 days, strategy 2. Lets get it.
TO START IS SIMPLE…get a secured card. A secured card is simply a credit card that YOU put up the money to secure.
Long story short….you put up $200 to $500 or more on an account and use it like a regular credit card….but it’s your money.
The beauty of this strategy is that it’s easy to get approved for, because first of all it’s your money.
The second benefit if you choose the right card is that after you use it for a while the card will evolve into an unsecured credit card which simply means it’s no longer your cash on the hook.
It’s the bank’s money, but they usually jumpstart your credit limit higher than the balance you put up. For example, I started off with an $500 secured account with Navy Federal Credit Union and after about 6 months I got my $500 back and got a credit line of $2000.
So after your secured card evolves it’s time to Credit Hot Cake or start applying for other credit cards….your choice…but the credit hot cake worked out marvelously for me ….and I didn’t even know I was doing it.
At this point your credit will be ready to apply for other credit card accounts. Preferably with Credit Unions….regular banks will work as well but in my opinion you get way more leverage with credit unions. Or at least that has been my experience.
If you feel different feel free to leave your suggestions in a our free credit building group.
After I used the Credit Hot Cake I ended up with about 12 accounts reporting positively on my personal credit.
Lets get back to you tho.
Right after you evolve, you want to apply for other credit cards. After your approved no matter what balance you get be sure to ask for an higher balance.
When you get about 5 to 6 more cards totaling at least $20,000 between all of them, run your regular expenses thru these new cards being sure to focus on your cash back cards. Might as well make some free money while building your credit.
Be sure to never miss any payments and when you do pay at least pay the minimum, preferably more if not the whole balance.
An ideal credit utilization would be below 9%
Not only will this get you to an 800 credit score but it will also set you up to reach the boss level. Business credit!
So we showed you how to get an 800 credit score in 30 to 45 days …. and gave you a blueprint to use to get an 800 credit score even if A.U.’s stop working.
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