A better credit score, means better and more credit options – so here are some tips to increase it quickly.

1. Dispute Any Errors

Mistakes are bound to happen, you are able to dispute any errors online going through TransUnion, Experian or Equifax.

2. Negotiate 

You cannot deny when you stopped paying a bill such as your credit card the year before, when you happened to be out of work. However, you are able to ask these creditors to "erase" the debt or the account that landed up in collection. You can write letters in offering to pay off the balance remaining only if the creditor agrees to report your account with the status "paid as agreed" or perhaps remove this account altogether. It is also important to get these creditors to agree to these terms in writing well before you make any payments.

You can also inquire about a "good-will adjustment." If you happened to be a good Visa V -0.38% customer up until the stage that you were unemployed, when you started to make late payments that now appear on the different credit reports. You can write letters to credit providers such as Visa were you need to emphasize your good history in the past and ask them to remove these from your credit reports.

3. Check On Your Limits

Ensure that the reported credit limitations on your record are current. You do not want to appear as if you max out all your credit cards each month. If card issuers have failed to mention your credit limit that has just increased, ask them to update your details.

4. Obtain A Credit Card

Owning one or two credit cards can result in great things for your credit scores. This is possible when you pay these bills before or on the due date and you avoid charging to many things to your credit cards. This means you need to be responsible with your credit.

You should try to obtain one of the traditional credit cards, if you can't you may want to try a secured credit card. However, ensure that the credit provider reports to each one of the main credit bureaus. 

5. Become An Authorized User

If you are unable to get a traditional or secured credit card you can try to convince a friend or relative to add you onto their credit-card account. You may want to obtain an agreement that states the amount you are allowed to spend as well as how you will receive the bill for what you have spent. However, it is very important that you use this credit with care

6. Under-Use Your Cards

It is important that you avoid using your credit cards for every transaction. Your "credit utilization ratio" should not exceed over 30% and if possible even less. Experts recommend that using a 10% "credit utilization ratio" is able to maximize this portion of your FICO score. 

To give you an example, if your MasterCard has a limitation of $1,500 and you charge a $1000 every month. It doesn't really matter if you are able to pay back the whole amount before the due date. But what does matter is associated with that credit bureaus will see that you are only using 2/3 of your credit every month which means you are a responsible borrower. If you happen to be a cash-free type of person you may want to:

7. Raise Your Credit Limits

Ask your credit providers to increase the limits on your cards. For example asking to increase your MasterCard to $3,000. You need to take caution with this tip as it will only work well if you are able to have faith in yourself to not increase the way you spend. 

8. Avoid Closing Any Cards

If you decide to cancel or close any of your credit cards, it will mean that your credit available will drop, which does not look very good when it comes to the bureaus. A simple way in which to keep these cards active will be to use them for recurring charges like your utility bill. There should be more than enough room for these types of costs within your budget. This will help you get a $500 loan online should you need it.

9. Taking Secured Loans

It is important to choose the right loan for your circumstances to reduce the cost as much as possible. There are a few different secured loan categories available.
You can check secured loans comparison here.

10. Always Pay Every Bill On Time

A person's payment history that includes the payments that you have skipped or paid late make up 35% of a FICO score. If you happen to feel overwhelmed or absent-minded, it is highly advisable to automate all these payments. This method is far better for your credit score than paying before or on the due date.

11. Pay Your Bills More Than Once A Month

If you have used up most of the credit you have available at anytime, it does not look very good with the credit bureaus. If for example you have a credit limit of $3,000 and you were forced to use $2,900 due to unforeseen circumstances. Try to make more than one payment during the month to maintain a good credit score.