5 Proven Tricks to Raise your Fico Credit Score by 100 Points Overnight

It is important to raise FICO credit score by 100 points overnight because about 90% of loan lenders make use of the FICO credit score to make their lending decisions.

It has been said severally that a credit score is like a healthy measurement on a scale of your probability of paying back the loan. Thus, it is a measurement of your credit worthiness.

What is FICO Credit Score?

A credit score is usually a 3-digit number ranging from 300 and 850 which represents a borrower’s creditworthiness. Thus, it tells the lender the level of your credit worthiness.

The higher the score, the higher your chances of getting loan approval and vice-versa. However, in some cases, you can still get loan approvals with a fair credit score (400-550).

A FICO (Fair Isaac Corporation) is a type of credit scoring system that most lenders use to check your score. It’s one of the widely used in calculating credit reports.

How to Raise FICO Credit Score by 100 Points Overnight: Is it possible?

A bad credit score has a profound impact on your loans, credit card, and when you seek financial aid from institutions. A low credit score attracts expensive interest rates and fewer loan approvals. Check out these tested and trusted ways to instantly raise your FICO Credit Score by 100 points overnight.

5 Proven Hidden Tricks to Boost your Credit Score fast Overnight

Normalize Paying your Loan on Time: Paying off your delinquent credit loans of over 30 days is one of the proven ways to increase your FICO credit score overnight.

Although if you miss a loan payment for a day, it does not make much impact on your credit score. However, if you are in arrears for over a month, your score will be on a serious decline. Thus, the longer it remains unpaid, the faster it reduces your credit score.

Read More: Personal Loans For Nurses With Bad Credit Score in the UK

You can start by paying off the small balances first to increase the FICO credit score. This method has been used by so many who had low credit scores and it’s working.

Maintain a 30% or above Credit Balance: Credit utilization impacts your credit score level. The method of maintaining a 30% balance has been one of the working tricks to raise the FICO Credit score by 100 points overnight. The credit utilization percentage shows you how much of the credit limit is in use by you.

Example: If your credit limit monthly is $100, do not use more than $30. You can consider having another credit card account if you must use over 30% monthly of your credit limit.

More so, you can simply ask your lenders for a credit limit increase. This request is not automatic as it would be granted if only you have a good payment history.

Reconcile Errors on your Credit Report: Credit bureaus and lenders can make mistakes when it comes to credit reporting. Lenders see reports of payments whether successful or unsuccessful to three credit bureaus-Equifax, Experian, and TransUnion.

Mistakes are bound to happen due to the high volume of reports processed every month. You should consider requesting for your annual credit report from one of the bureaus. Go through the report, if you find any errors, note where the error is coming from and the exact lender.

If the error is from the lender, call your lender and report the error to them. This task is time-consuming but it is very efficient if you want to raise your FICO credit score by 100 points overnight.

Read more: How to Buy A House With Bad Credit But Good Income

Report Rent and Other Utility Bill Payments: Although your landlord or utility company is not under any obligation to report your payments, you can simply ask them to start doing so. If they agree, it will not help to improve your FICO credit score overnight but it will go a long in building your credit history. However, if they report late payments of rent or utility bills, it will also have an impact on your credit score level.

Go for a secured loan if possible Always: A secured loan is that held with collateral. Thus, your lender has nothing to lose if you default in making payment technically. The most common form of secured loans are mortgages and car loans. This does not include a personal loan except if you wish to add collateral to it. (1)

These are the 5 hidden tricks to raise your credit score by 100 points overnight.

What Affects FICO Credit Score?

If you want to raise your FICO credit score by 100 points overnight or in 40 days as there is no maximum or minimum time it takes to be increased, then you must know what affects your FICO credit scores. You will find the answer below;

How is My FICO Credit Score Calculated?

Basically, there are 5 important factors that affect how FICO calculates your credit score. They are;

Payment History(35%): Payment history represents how you have been paying for your previous loans in the past. That is why it is important to make loan payments early. Payment history accounts for 35% of your FICO credit score.

Credit utilization(30%). Credit utilization refers to the percentage of available credit that’s in use at any given time. This factor accounts for 30% of FICO score calculations.

Credit age(15%). Credit age measures the average length of time for which someone has been using credit. The older someone’s credit age is, the better. This factor accounts for 15% of FICO credit score calculations.

Credit mix(10%) FICO also considers the types of credit someone uses (i.e., installment loans versus revolving credit). Credit mix makes up 10% of FICO credit score calculations.

Credit inquiries(10%). Credit inquiries account for 10% of your FICO credit score. A new inquiry is registered on your credit report following a hard credit check.

Read More: Home Loans With A Credit Score of 500: What you should Know

FICO Credit Score Ranges

Like we said earlier, credit scores have significant roles they play in your financial life. It influences a lender’s decision towards your mortgage application. Generally, people with a credit scores below 640 are regarded as subprime borrowers.

On the other hand, a credit score of 700 and 800 above is good for you. It attracts quick loan approval and low-interest rate.

This is the breakdown of the credit score ranges below;

  • Excellent: 800 to 850
  • Very Good: 740 to 799
  • Good: 670 to 739
  • Fair: 580 to 669
  • Poor: 300 to 579


Having a good credit score cannot be over-emphasized. You will enjoy low interest rate loans and get quick approvals. They are a whole lot of unquantifiable benefits. Follow the steps above to raise your FICO credit score by 100 points overnight.


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