Reaching a 700 credit health score is awesome. Not everyone gets there or keeps their score in the prime zone.

If you want to continue to improve, you are sure to ask yourself this question: how to go from 700 to 750 credit score?

That just 50 points!

Below we go into keeping your credit utilization down to the exact percentage, authorized users you can strategically obtain, disputing, and correcting errors yourself or hiring some help and more.

Getting your financial future on a better track by reaching for an excellent score will allow you to have opportunities that money itself would not afford you.  

Now, this advice may not work so quickly for a few because your score is already relatively high, but a mix of these tactics will work. 

We also provide you with other resources to see these through.

How To Go From 700 to 750 credit score?

Here are some essential tactics to getting your credit to increase by 50 points in a relatively short time.   

It’s a fair enough question and it is more realistic than “how to boost your credit score by 200 points in 30 days”.

The time frame is the issue in that question, yet you can set put to boost your credit score by 200 points. “how to go from 700 to 750 credit score”, quickly, is a better sought after goal.

1. Get Utilization Under 10%

Pay off debts aggressively.

This goes for credit cards and non-revolving loans. The point of this is to reduce credit to debt ratio; pay your debt down in time so they report low utilization. 

Your utilization on all cards to total credit line be under 10%, specifically 8.9%. If you were taking a less aggressive approach, we suggest you keep it under 30%. 

FICO scoring of credit utilization is based on a few percentage points

  • 8.9%
  • 28.9%
  • 48.9%

Find out when you creditor reports to the bureaus. Make sure to pay the balance down before the cut off date. 

The best, and the most aggressive, percentage is 8.9%. This is the number that consistently keeps you looking good and will help you increase your score by 100 points as well

Keeping your score under 28.8 is good too, but anything higher begins to look bad on your report. To be clear, your overall balance/percentage should be under 10% on all cards.  

2. Add Automatic Payments To Your Life

To help you achieve a consistent level of util set up automatic payments. So, begin with aggressive lump sums, then pay a bit above the monthly minimum automatically to keep level. 

If you cant in lump sums, find the most aggressive number you can afford to pay, in the shortest amount of time.

To one-up this tactic, you can make micropayments throughout the month to keep your credit card balance low. This way util stays low as the due date approaches.

Tip: Do Not Close Credit Lines. Closing Credit Lines Will Hurt Your Chances Of Increasing Your Score Fast.

3. Remove Errors Yourself or Pay Someone To Dispute Them

This is actually where you should begin. 

According to Jeff Hunter, a personal finance expert “More than 42 million people in this country gave errors on their credit report, and 10 million of those gave errors that affect their credit score”

All in the name of saving time, but you can do this yourself:

First things first, you have to get your credit report from each of the three credit bureaus. You’re able to get a free report every 12 months. 

Once you get your credit report, check and remove errors. Mistakes are one of the top reasons people’s scores decrease over time. 

Some of those mistakes are incorrect:

  • Names
  • Dates
  • Amount
  • Negative Information

You can write dispute letters to the credit bureaus to have them removed or you can hire a credit repair company to do that and more for you. Here are a few you can call for a free consultation:

  1. Lexington Law
  2. Ovation

4. Become An Authorized User 

Recruit a trustworthy and responsible family member or friend to help you by adding you as an authorized user on their credit. 

Ask someone who has a low credit to debt ratio, on old cards (long credit history), and has 100% on-time payments and old AAoA with no issues. Especially if you are looking to rent, apply for a mortgage, or do anything real estate related. 5

This may sound scary to the authorizer (family or friend) but they nothing to worry about. They don’t have to give you sensitive information (account numbers, access codes, etc.) or let you use the line of credit.

5. Increase Line Of Credit 

Call your credit provider and ask for a credit increase. Make sure to ask you they can do this without adding a hard inquiry to your credit report. 

Hard inquiries can drop your score a bit, but it can be a give and take situation.

Sometimes you have to take the hit to get what you are really after, in the case it’s a higher limit on your card. In other cases its a mortgage or some other type of creditor checking your history. 

Try to avoid the hard inquiry by asking each card provider their policy and pick the company that doesn’t need to do a credit check 1st.

Increasing your line of credit allows you do keep a balance the same but lower your debt to credit ratio, which accounts for 30% of your FICO score

Your credit limit goes up but your balance doesn’t move, which then lowers your credit utilization (as mentioned above).

Related: Will Asking For A Credit Increase Increase My Credit


So, how to go from 700 to 750 credit score? The lower your current score, the more likely it will rise quickly. 

Always monitor your report for errors, identity theft, and your progress as you are implementing these changes. 

You want to keep track of what works and what doesn’t make much of a difference. What was a quick change and what took months?

Overall, credit util is a huge factor in credit scoring, and will as long as you are keeping a low balance, paying on time, and gaining more credit, you’ll be fine. 

James Willaims
