(It was actually ONE day!)
I Achieved a 100-Point Credit Score Increase in Just 2 Days, and Here’s How I Did It – My Personal Journey
Credit repair can sometimes seem like a slow process, but I managed to increase my credit score by an incredible 100 points in just two days. The secret? A combination of removing negative items and optimizing my credit utilization.
Before we began using the Metro 2 compliance method, I use to call the bureaus. I had special numbers instead of having to go thru foreign language barriers and soon I realized that they too were outsourcing calls. Once I got past that curtain I understood the charade. After a series of calls, I finally got a rep on the phone who conceded and removed my repossession. AND 20 INQUIRIES! And Folks, I even filmed some of this phone call and posted it on my Instagram. Yes family, this is a very real thing for me, to stay up on these laws, to get a second chance for everyone who comes into my circle. And now, we have ai to handle the work for us, and the system disputes outdated and inaccurate information that drags down scores. Once you pay down those high credit card balances, lowering utilization below 10% (more like 1 or 2%? It’s a RAP! These actions, taken together, led to a dramatic and fast improvement in my own credit score, and it can help with yours as well.
Over the past 10 years, I’ve helped many people improve their credit, and I know the process requires consistency, discipline, and patience—not just to boost your score, but to keep negative items off your report for good. I’ve seen firsthand how persistence pays off, particularly when it comes to removing difficult negative items.
One of my proudest moments came when I helped my sister remove a $60,000 repossession from her credit report. After successfully removing a repossession from my own credit file, I flew to San Diego to surprise her. Together, we made a call to the credit bureau, and she watched in awe as the same method worked for her. Seeing the immediate relief on her face was priceless.
While a 100-point jump in just two days is impressive, it’s not just about the score—it’s about optimizing your credit profile. A well-rounded credit history should include a mix of accounts, such as an auto loan, a mortgage or real estate reference, large-limit credit cards, and personal or business loans. When underwriters see a balanced and strong credit history, they are much more likely to approve large-limit credit cards, especially in the business credit space.
With the right strategies, not only can you see quick improvements, but you can also build long-term credit health that paves the way for greater financial opportunities.
