Can You Improve Your Good Credit Overnight? Absolutely.

Perhaps you've been told that you were denied credit because of an insufficient credit file or no credit file and you have accounts with creditors that don't appear in your credit file. If so, just ask the credit reporting agency to add this information in future reports.

Your credit file may not always reflect all your credit accounts. Although most national department store and all-purpose bank credit card accounts will be included in your file, not all creditors supply information to credit bureaus: Some gasoline card companies, local retailers, travel, entertainment, and credit unions to name a few, are examples of the creditors that often don't.

Many credit bureaus will add verifiable accounts for a fee, although they are not required to do so. However, be aware that if these creditors do not report to the credit bureau on a regular basis, the added items will not always be updated in your file.

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