How to Build Your Credit Score Fast: 9 Strategies That Work You could elevate your credit score with tips such as making on-time payments, paying credit card bills more than once a month, becoming an authorized user and fixing credit report errors.
AMANDA BARROSO
Want to build a stronger credit score fast? Start by looking for quick wins, like a missed payment, a high credit card balance or an error on your credit report. Fixing these issues can sometimes lead to results in weeks, not years. If your problem is a thin credit file, building credit takes longer — but there are still smart ways to make progress at a steady pace. The first step is to check your credit reports so you know what’s holding your score back. Once you spot the issue, you can choose the strategies that are most likely to help.
Below are nine options, starting with the ones that tend to work fastest.
WAYS TO RAISE YOUR CREDIT SCORE IN 30 DAYS
1. PAY CREDIT CARD BALANCES STRATEGICALLY
Why this works fast: Credit scores update when lower balances are reported, often within a billing cycle. Credit utilization means how much of your credit limit you’re using. A good rule of thumb is to use less than 30% of your limit on each card, and lower is even better. People with the highest credit scores often use less than 10%.
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