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How to Improve Your Credit Score Fast

Improving your credit score doesn’t have to take years. With a few smart moves and the right tools, you can see real progress in just a few months. Whether you’re looking to buy a car, get approved for a home loan, or qualify for better credit cards — here’s how to jumpstart your credit score growth today.

Pay On Time — Every Time

Your payment history is the #1 factor in your credit score (about 35%). One late payment can drop your score fast.

  • Set up autopay or calendar reminders

  • Pay at least the minimum on time, every time

Tip: A credit card with tools like autopay and due date alerts can help you build a positive payment history easily.

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Use Less Than 30% of Your Credit Limit

This is called credit utilization. If you have a credit card with a $1,000 limit, try to stay under $300.

  • Pay down your balances early

  • Spread spending across multiple cards, if possible

Pro tip: Opening a new credit card  increases your available credit, which can lower your utilization and raise your score.

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Keep Old Accounts Open

The longer your credit history, the better. If you’ve paid off a credit card, keep it open (unless it has a high annual fee).

  • Avoid closing your oldest card if possible

  • Use it for small purchases occasionally to keep it active

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Mix Up Your Credit Types

Credit scoring models like to see a mix of revolving credit (credit cards) and installment loans (like auto or student loans).

  • If you only have loans, consider adding a credit card

  • If you only have credit cards, that’s okay — just focus on the others steps above

 

Check Your Credit Report for Errors

You can get a free credit report from each bureau once a year at AnnualCreditReport.com. Look for:

  • Incorrect balances

  • Accounts you don’t recognize

  • Outdated personal info

Dispute any mistakes — even small errors can hurt your score.

BONUS TIP: Start Building Today with the Right Credit Card

The right card can help you:

  • Establish a strong payment history

  • Increase your credit limit

  • Earn cash back, points, or travel rewards

  • Get perks like free credit monitoring

Check out a list of our personal cards that we use every day below for awesome deals.

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