How would you like to increase your credit score by 20 or more points nearly immediately?

I recently have been looking into auto loans and discovered that I was only ten points away from locking in a WAY better interest rate, which meant lower payments!

My spouse and I have worked hard to clean up our credit and I felt frustrated because we had no collections on our account and all of our payments have been made on time, yet we still were not in the elusive “golden” range of credit scores to obtain the best possible interest rate. We were close, but no cigar.

So…I began making inquiries to find out how I could quickly increase my score. I figured there had to be a way…and THERE IS!

Here’s the trick:

Call each credit card company that you have active accounts with and ask for a credit line increase!

It’s genius really. If you’ve been paying on time, most cards will review your history and ARE GLAD to offer a credit line increase. This immediately increases your debt:income ratio and thus has a HUGE impact on your credit score.

Honestly, this took me about half an hour and within 48 hours my score increased over 30 points AND saved me a TON in interest on my auto loan.

If you pay your credit card bill online, they often have a feature included where you can request an increase online, I know that Bank of America cards have this feature and it couldn’t be easier.

Jay Johnson is a credit repair blogger and debtor advocate. More information, including Jay’s Templates for Answering a Credit Card Debt Lawsuit can be found at http://www.howtoansweracreditcarddebtlawsuit.com or http://www.IHaveBeenServed.Info