How to Raise a 610 Credit Score: 4 Quick Tips

Debt and Collections

If you’re looking to buy a new car, open a new line of credit, or purchase a new home checking your credit is an important first step. On the FICO scale from 300-850, a 610 credit score is considered fair. This score may not give you the credit opportunity you need for your next purchase. Now that you know what you might be facing before applying for any new loans, you need to know how to raise that 610 credit score to avoid a higher interest rate.

Here’s How to Raise a 610 Credit Score:


1. Get a secured credit card for those with 610 credit scores.

Go Clean Credit evaluates credit card offerings for people with a 610 credit score. We currently recommend these Secured Cards to assist those with fair credit scores.

By getting a Secured Credit Card, we have seen increases in credit scores by 35 points or more because you’re looking to rebuild your credit responsibly. In order to get a Secured Credit Card, you will need to put down a deposit. This limits the risk a Secured Card issuer is taking on and continues to build your credit at the same time.

2. Pay down your outstanding revolving debt.

Your FICO score is an important topic we’ve discussed before. One of the major factors we discussed that ties into your credit score is your revolving balance. Paying down this debt to 30% of your total credit available will help to raise your credit score overall.

3. Ask for an increase in your credit limits.

While paying down your credit cards can help you reach the 30% revolving balance number, another way is to ask your credit card issuers for more credit. If you have a history of regularly paying your balance or a low credit limit against your income, you might be eligible for an increase. Call the creditor and ask for an increase in your credit card limits.

Your latest promotion and raise likely wasn’t communicated back to your credit card. Telling your creditor could open up limit increases immediately. This will instantly reduce your revolving debt usage rate.

4. If you have credit cards you’re not using regularly, place small charges on them.

Remember your credit card from seven years ago and never got around to closing? It could be the difference in rapidly increasing your credit score. Having credit cards that you’re not using hurts your credit score. Creditors want to see you using your card and paying it off regularly.

If you have one of these cards, you should put one of your subscription payments on it and remember to pay it off each month. For example, your Spotify or Netflix or gym membership could help you raise your credit by being charged to these low usage cards.

Raising a credit score of 610 isn’t an impossible task. These simple and efficient steps could increase your score by 75 or more points in 30 days and qualify you for much better interest rates.

No matter what your situation, Go Clean Credit has a solution. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a one size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away, or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.


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