How to Increase Credit Score to 800 & Boost Credit Score Overnight

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Looking for tips on how to increase your credit score to 800 or boost your credit score overnight?

Do you have a big financial decision on the horizon and you desperately need to raise your credit score quickly?

Maybe you plan to buy a house later this year and just realized your credit score is too low to qualify? Or maybe there’s a job change in the near future and you’re concerned a bad credit score might affect your ability to get hired.

The good news is there are tips on how to increase credit score to 800. Heck, it might even be possible to boost your credit score overnight. But it will take focus, patience and dedication.

After all, most financial messes take a while to make, so cleaning them up quickly won’t be easy.

Personally I don’t borrow money aside from a mortgage. Thus I don’t worry too much about my credit score.

But if you’re interested in learning how to increase credit score to 800, read on.

But if you’re ready to change your financial future and live without the endless cycle of debt, I highly recommend you take a moment and learn about Dave Ramsey’s Baby Steps and how they can help transform your finances.

How do I raise my credit score from good to excellent?

First let’s define credit scores in terms of the good, the bad and the ugly. FICO, which stands for Fair, Isaac and Company is the company that calculates the commonly used credit scores in the USA.

In turn, there are 3 credit reporting agencies that creditors and debt collectors report your history to. These 3 are Equifax, TransUnion and Experian.

It is possible that all 3 won’t have exactly the same credit score for you at any moment. It’s also possible some creditors won’t check your score with all 3 agencies.

Here is a chart of the good, the bad and the ugly in terms of your credit score.

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So you can see a good credit score is 700 and higher.

So to get into the excellent range you’ll need an increase of at least 50 points. Can you boost credit score overnight?  Maybe, but there’s a lot of factors involved.

So how to we do that? Let’s dive in deeper!

How can I raise my credit score in 30 days?

Next let’s review how a credit score is calculated. That way you can see what areas will have the biggest impact.

This is where you’ll focus your energy.

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You can see one of the biggest factors is payment history (do you have a long history of paying on time). Since this requires time to prove your credit worthiness, this is not where you will focus your energy.

After all when you’re wondering how to increase credit score to 800 or how to boost a credit score overnight, you’ll want some faster solutions.

The next biggest factor is your total outstanding debt. This is looking at both how much your total debt is in relation to your income, but also how much of the available credit you are using.

The powerful impact of debt to credit limits





As an example, let’s say a man making $80,000/year owes $15,000 in credit card debt and pays his bills on time. If he owes all of that $15k on a credit card with a $16k limit that means he’s used up almost all of his available credit.

If he owed $8k each on 2 different credit cards with $16k limits, he would be well under his total available credit. Thus even though the same man owes the same amount on the same salary, theoretically in the 2nd example he could have a much better credit score.

So when learning how to raise your credit score in 30 days or how to boost a credit score overnight, look at where you owe your money and how much you owe in relation to your limit. While it may not be possible to boost credit scores overnight, you can take certain actions that can cause quick improvement.

If you have maxed out your cards, either pay them down significantly, or at least to where you owe less than 75% of the total limit. If you aren’t able to do that call your card companies and see if they will raise your credit limit.

DO avoid the temptation of using the new and improved credit limit. After all, being in debt is NOT where you want to stay.

While you could try and get new cards and do balance transfers, there are 2 dangers there.

  1. You will be tempted to keep using all the cards, thus increasing your total debt
  2. Any new line of credit will generate a credit inquiry on your credit score possibly having a small negative impact.

Can you really boost credit score overnight?

The short answer is pretty much no.

That’s simply too short a period of time. Could you impact it 20-40 points over a week or so? Maybe. But you’re still at the mercy of many different people none of whom truly care about your credit score.

So when we start with an unreasonable expectation, we’re setting ourselves up for disappointment. So set your sights on a more reasonable goal, be diligent and you can achieve that goal.

How do I get my credit score up 100 points in one month?

As with any of these how to increase credit score to 800 strategies it’s important to realize that it may not work.

As I said above, there are just too many factors out of your control.

Thus if you have a big purchase planned, the further in advance you can start this process, the better.

I go into EXTENSIVE detail in a highly shared post about Credit Report Repair, so to dig in deeper or if you know there is damaging info on your credit report, I highly recommend taking a look there too.

The good news is that the moment FICO receives an update they do generally get your account updated within 24 hours. The bad news is your creditors don’t always report positive information in a timely manner.

Thus anytime you are paying off debt in collections or past due debts, ask the creditor to guarantee in writing that they will remove any negative entries from your credit report within 48 hours of receiving payment.

Get this before you give them your money. Once you pay them you lose 100% of your leverage.

After all; they just want your money. They don’t really care about your credit score.

If they get paid, they’ll be likely to agree to anything reasonable. Just get it in writing (email is fine) and then make sure to pay by cashier’s check or money order only.

What percentage of the population has a credit score over 800?

About 20% of the population has a credit score of over 780 which is well into the excellent range. Not surprisingly, the older the person, the more likely they are to have a higher credit score.

So if you’re wondering how to increase credit score to 800, just wait a few years.

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The silent generation (age 68 and higher) tend to fare the best, while Millennials and Generation Z tend to fall into the low 600’s.

The reasons for this should be obvious.

As we age we (hopefully) learn how to handle money better. We also tend to deal with past mistakes and are more likely to have paid off things like cars and houses. We also have a much longer payment history. And if much of that history is good, as we know from above, that impacts 35% of our score.

Is a credit score of 550 bad?

560 is generally where credit scores start to be classified as “bad”. Thus 550 or anything below that is a bad credit score.

The good news is it’s not usually hard to raise the score up a little bit from there. A bad score typically would mean you have debt in collections you haven’t dealt with or paid multiple creditors 30 or more days late on multiple occasions.

So start to pay your bills on time. Learn how to increase credit score to 800. Even if you don’t quite hit that number, you’ll be far better off.

Go back to the debts that are in collections and start to negotiate.

These so-called bad debts often get sold to collection companies for pennies on the dollar. Thus while I always think paying what you owe is important to your integrity, if you are dealing with a collection company and not who you borrowed from originally, don’t be afraid to make a low-ball offer.

If they can get 25 cents on the dollar of what you originally owed, they will likely take it!

Want some additional tips about how to Pay off Debt and Raise Your Credit Score? Check out a recent guest post I wrote on the great Finance for Geek website.

End your cycle of always being behind on your bills!

Are you struggling each month to pay bills? Maybe you’re behind on bills or have more bills than you do income.

You’re left wondering where your money went each month instead of telling your dollars where to go?

I get it! While you can learn how to increase credit score to 800, ultimately you need to get out of the rut and make different financial decisions.

To get ahead, we need to do a written budget every month before the month begins.

You’ll almost never get ahead by just winging it, so get intentional with your money and show it who’s boss!

Want the best budgeting tool out there? Download my FREE Excel household budget template now!

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Once you get it, you can dive deep into how to use it and why it works in another post about why this is the Best Excel Household Budget Template.


So to sum up on how to increase credit score to 800 & boost credit score overnight.





Focus on the following:

  1. Pay down your credit card debt as much as possible; at least to where you owe less than 75% of your total credit limit
  2. Borrow from friends or family if you have to. If you can’t pay down your debts, don’t borrow money from any source that will impact your credit report; friends or family are the best options. Sign an agreement if needed, but they won’t be running your credit or reporting the loan.
  3. Deal with debt collectors. If you have any past due bills or debts in collection pay them off (negotiating down and having them remove their fees). But get it in writing they will remove any entries from all credit report bureaus within 48 hours of receiving your payment. Always get agreements in writing and only pay by cashier’s check or money order when paying debt collectors.
  4. Don’t take out any new loans, credit cards, etc.
  5. Don’t give out your social. Don’t inquire about any purchases or loans where you have to enter your social security number

So in this post, we reviewed how to increase credit score to 800 and the top things you can do to quickly raise your credit score.

We also looked at how the scores get calculated, what areas impact the score the most. And we also looked at some of the myths out there about boosting credit scores quickly.

We also reviewed some of the best tips for not hampering your credit score right before a big purchase. Most importantly we now understand what’s possible and that it’s entirely possible to increase a credit score to 800 without having to pay a company to do it for you.


Have you struggled with learning how to increase credit score to 800 or trying to boost credit score overnight?

Any hidden strategies you’ve found or pitfalls I didn’t think of?

Feel free to comment here or email me with any questions!

If you like this post, please consider sharing on Facebook because if it helped you, it just might help someone else!

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Of course I have to add in that this post, like all my personal finance posts, is not intended as “financial advice”. I offer my opinions based on my experience, research and my own mistakes. Thus if you need financial advice you should seek out a professional in that area who is legally authorized to give financial advice.
 Photos (that aren’t mine or which require attribution):
Credit Report – Before and After by TrinityCreditServices is licensed under CC2.0

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