Top Tips For Boosting Your Credit Score Fast | Refresh Financial

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Top Tips For Boosting Your Credit Score Fast

When it comes to building your credit score, most people seem to think that it's always a long, daunting process. However, increasing your credit score isn't as difficult as you might think! Here are some of the great tips for boosting your credit score!

Get a secured savings loan

- A cash secured savings loan is the most effective ways to boost your credit score. Almost everyone is approved, and the loan payout acts as the security funds. There is no upfront cost and no money up front. The loan is paid out at the end of the term, but the best part is that a cash secured savings loan reports to the credit bureau just like a regular loan! As long as you keep your account in good standing, your credit score will continue to build.

Get a secured card

- Get a secured card. This is one of the most common methods people use to boost their credit score. This type of credit card is low-risk to the lender but appears as a normal credit card on your credit report. So, all you have to do is keep it in good standing to see your credit score grow. Get your secured card today. 

Pay more than the minimum payment

- If you're carrying a balance on a lines of credit, loan or credit cards, it's worth paying it off as quickly as possible. You'll save money on interest, and your credit score will improve faster.

Increase your credit limit

- This step can be risky for those who struggle with overspending, but being approved for an increased credit limit can have a wonderful effect on your credit score. It decreases your credit usage percentage, which is the amount of your available credit that you've used. If your available credit goes up but your balance doesn't, your credit score will increase.

Get new sources of credit

- This works similar to the previous tip. Adding more credit diversity can reduce your usage percentage (as long as you don't rack up a balance) and is an easy to improve your credit score.

Clear your credit report of any issues/errors

- Check your free credit report at and look for any mistakes, errors or issues that can easily be cleared up. Clearing these things up can have a nearly immediate positive effect on your credit score.

All of these methods can result in a new and improved credit score, but remember, you still need to treat these new credit opportunities with responsibility. This means, no late or missed payments, no collections, no defaults, and keeping your spending to an absolute minimum.


If your credit score isn't as high as you'd like it to be, consider a credit building program like the one offered by Refresh Financial to boost your credit score!


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    I would like to thank Refresh Financial for helping me get out of a bad spot. I never thought it was possible and almost gave up on things and then I saw Refresh Financial and and gave it a try. At first I was unsure of things but to see my credit score now makes me a believer in this program.

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    Refresh helped me regain credit following a nasty divorce, which left me with a very poor rating. They were able to remarkably help me go from a 480 to a 600 score, in just over a year. Thank you Refresh!”

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    I have watched my credit score jump since being with Refresh and I have already recommended it to friends and family. Thank you for helping me build my credit faster for my future and my children’s future :)”

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    At first I was skeptical because I wasn’t getting funds upfront and had to make payments when I really needed the money. I’ve been in the program a year now and have noticed my credit has improved drastically!”

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    I have been a client of Refresh Financial for approximately 3 years. Since being a client they have improved my credit immensely. Definitely recommend this company to anybody that needs help re-establishing credit.”

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    “I would like to thank Refresh Financial for their professionalism, great customer service and for helping get back to a better financial situation. I have always been treated with the utmost respect.”

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    Refresh Financial is an amazing program to help people get back on their feet. I was rock bottom with nowhere to turn. My credit was beyond poor. I would recommend them to anyone. If I can do it surely anyone else can.”

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    “Great company to deal with for rebuilding credit, very simple process to get started. Good service if you ever have questions.”

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    This business truly cares about its clients. The customer service is always quick to return calls or emails. Their online portal functions very well so as a customer you are always updated as you progress with your loan.

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    “Refresh Financial has made us more aware of how to take care of our financial situation and be more responsible, and making payments on time is rewarding in the end for credit. Thank You sincerely.”

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    This company has been nothing but fantastic. They have gone above and beyond to help me. This program has given me the relief and peace of mind I need. I would certainly go back to them and give them names of people who could use this.”

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    The financial services products are excellent for new immigrants, low-income earners and small business owners. Loans, savings and credit building all in one solution is a perfect fit to help with financial goals and stability.”

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    “After successfully going through a credit rebuilding loan, I was able to use my built-up equity to purchase a newer vehicle and I have since been approved through a financial institution for a loan.”

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    “I made some poor credit choices when I turned 18 and have always had this lingering thought of how am I ever going to better my score. Since being with Refresh I have realized that I took the right step towards bettering my future.”

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    “Thank you Refresh, and my relationship manager for giving me the tools for a better score with a secured card and two credit builder loans. I feel absolutely confident I’m on a better path to financial success. I am happy to be a long term client.”

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    I’m so excited I’ve joined refresh! I’ve already seen a huge increase on my credit after the first month! The staff are a delight and make this so easy to understand. I strongly recommend Refresh Financial even if you have good credit this will give you a boost and you’re saving money with the reverse loan!”

    – Wayne B