Top 3 Ways to Boost Your Credit Score Fast in 2025
- Jonathan Shupe
- Apr 7
- 3 min read
Have you found yourself googling "How to boost my credit score fast"? If buying a home is on your radar this year, your credit score should be, too. In 2025, lenders still rely heavily on your credit profile to determine mortgage approval and loan terms—and the higher your score, the better your options.
The good news? You don’t need a long list of fixes to make a big difference. Here are the top 3 most impactful ways on how to boost your credit score fast this year—and get closer to mortgage-ready.
1. Boost Your Credit Score Fast By Paying Down Revolving Balances Strategically
Your credit utilization ratio is still one of the biggest factors influencing your score—and it’s also one of the fastest to change.
What to do:
Focus on getting each credit card below 30% of the limit (below 10% is ideal)
Target the cards closest to being maxed out first.
Make payments before your statement closes to lower the balance that gets reported to the bureaus.
Even a single large payment can bump your score up within a month or two.
2. Opt-Out of Pre-Screened Credit Offers
This isn’t just about stopping junk mail. Opting out of pre-screened credit and insurance offers through OptOutPrescreen.com can actually help protect your score in the long run.
Why it matters in 2025:
It reduces your risk of identity theft and fraud (still a growing concern)
You’re less likely to apply for new credit unnecessarily, avoiding hard inquiries.
It signals financial discipline, which can indirectly benefit your overall credit health.
It’s a quick win that takes 2 minutes and adds long-term peace of mind.
3. Pay For Deletion
Some collection agencies will remove a collection account from your credit report if you pay the balance in full or settle the debt—this is called “pay for deletion.”
How to make it work:
Contact the creditor before paying and ask (nicely!) if they’ll agree to delete the account upon payment.
Get the agreement in writing—email is fine.
After payment, follow up to ensure it’s been removed from your report.
Not all agencies will do this, but many smaller ones might—especially if the debt is older.
This step can have a big impact, especially if your score is being dragged down by just one or two negative accounts.
Work with a Mortgage Broker for a Credit Game Plan
In 2025, knowledge is power—and having a mortgage broker in your corner who understands credit strategy can be a total game-changer.
Here’s how we help:
Pull your actual mortgage credit scores (not just the consumer versions from apps)
Use credit simulation tools to project how certain actions (like paying off a balance or deleting a collection) will affect your score
Build a custom action plan based on your timeline and goals
This approach can turn a “not quite ready” credit score into an approval-ready one—with the potential to save thousands on your future mortgage.
Final Thoughts
Credit improvement doesn’t have to be overwhelming. In 2025, it’s all about smart, intentional moves that deliver real results. Focus on these three key areas, and you’ll be putting yourself in the best possible position to qualify for the home (and loan) you want.
Need help understanding where you stand and how to improve fast? Let’s connect and create a plan that works for you.
Jonathan Shupe NMLS ID# 1649211 is Manager of Shupe Lending Group NMLS ID# 2478065. Jonathan Shupe and his team of loan officers are licensed in multiple states. Many of the borrowers of Shupe Lending Group are individuals who did not qualify at other lenders due to those lenders overlays on government and conventional loans. We have a reputation of being able to work with over 270 different lenders to be able to offer out clients dozens of non-QM and alternative financing loan programs. Any non-QM mortgage loan program available in the market will be offered by our team at Shupe Lending Group. Our team is available 7 days a week, evenings, weekends, and holidays.
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