If you’re looking to improve your credit score fast, you might be interested in ChatGPT’s advice. When the artificial intelligence (AI) chatbot was asked how one could raise their credit score 150 points within six months, it said that a 150-point increase in six months is aggressive, but possible, if the credit file is established and the issues are fixable.
Interested in improving your credit score? Here are the steps ChatGPT recommended.
Also see six smart ways to get approved for loans and credit cards with a low credit score.
Focus on Important Factors
ChatGPT pointed out that payment history and credit utilization are two of the most important factors regarding credit scores and to start there.
According to myFICO, 35% of a credit score is attributed to your payment history and 30% is focused on credit utilization, which is the percentage of available credit that you are currently using. For example, if you have a card with a $2,500 limit and your balance is $1,000, your credit utilization is 40%.
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Pay Down Credit Card Balances
Because credit utilization is worth 30% of your credit score, ChatGPT said to pay down credit card balances to reduce your utilization or how much credit you are using. But what is an acceptable rate of utilization?
According to Experian, a common rule of thumb is to keep your credit card balances under 30% of each card’s limit. For a card with a $2,500 limit, that means keeping your balance under $750. However, Experian also reported that an ideal credit utilization rate is less than 10%, which can help optimize your credit score. In that instance, a $2,500 credit limit would mean keeping your balance below $250.
Here is ChatGPT’s related advice:
- Get every card below 30% of its limit.
- Push at least one card below 10%.
- If possible, get one card to $0 before the statement closes.
- Pay balances before the statement closing date, not the due date, because balances are usually reported on (or very close to) the statement closing date.
Never Miss a Payment
ChatGPT said that late payments kill momentum and recommended setting up autopay for the minimum payment on every account to avoid the issue. It also recommended initiating extra payments each month, as needed, to reduce credit utilization as much as possible.
In the event that you recently missed a payment, the AI suggested calling the lender and asking for a goodwill adjustment. It said that this works best if you haven’t had any other incidents.
Dispute Errors Immediately
Errors can suppress scores more than people realize, per ChatGPT. It recommended pulling reports from all three credit bureaus. Things it said to look for include incorrect balances, late payments that never happened, duplicate collections or accounts marked open that are closed.
If you find any errors, dispute them online with each bureau, the AI said. Even one removed late payment or collection can trigger a noticeable jump in your credit score — possibly up to 150 points — within 30 to 60 days.
Avoid Opening or Closing the Wrong Accounts
Perhaps you have a credit card you never use or one that you’ve paid off and no longer want to use. ChatGPT said not to close old accounts, even if you don’t plan to use them.
According to TransUnion, closing an account can affect your credit in multiple ways. First, it can lower your total available credit, which can increase your credit utilization rate. Next, if the account is older, it can shorten the length of your credit history. Finally, it can reduce the types of credit you have, known as your credit mix.
As far as new accounts, ChatGPT said that you should avoid opening store cards (which often have low credit limits and high interest) or applying for multiple cards at once, which can temporarily lower your score. If your credit is thin, it said that adding one well-managed account can boost your credit score within a few months.
Become an Authorized User (If Available)
According to the AI, becoming an authorized user on someone else’s credit card can result in a fast boost to your credit score because the account will likely report to the credit bureaus within 30 to 45 days.
It explained that, for best results, the person you ask should have a much stronger credit profile than yours. It recommended asking to be added to a card that has a long history, perfect payments and low utilization.
Keep Activity Stable for Six Months
When it comes to credit, consistency matters, per ChatGPT. If offered this advice:
- Do not shuffle balances repeatedly. Instead, pay them down.
- Keep utilization low every month.
- Avoid applying for new credit unless necessary.
- Be aware that scores often rise in steps rather than gradually.
How Realistic Is a 150-Point Credit Score Increase?
ChatGPT said that a 150-point increase is most likely if the following exists:
- Utilization is currently high.
- One or two late payments are recent.
- Errors or collections exist.
- The file is thin or recovering.
If the score is already in the high 600s or 700s, gains will be smaller, it added.
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This article originally appeared on GOBankingRates.com: I Asked ChatGPT How To Raise My Credit Score 150 Points Within 6 Months
