Quick Wins (30-60 Days)
The fastest way to boost your score is lowering credit card balances. Aim to use less than 30% of each card's limit—under 10% is even better. If you have a $1,000 limit, keep your balance under $300. Pay down the highest-utilization cards first. You can see results in as little as 30 days.
Medium-Term Strategies (3-6 Months)
Become an authorized user on a family member's old, well-managed credit card—their good history can boost your score. Dispute any errors on your credit reports (this is free). Set up automatic payments so you never miss a due date. Don't apply for new credit during this time.
What NOT to Do
Don't close old credit cards—this shortens your credit history and increases utilization. Don't pay for "credit repair" services that promise miracles. Don't open new store cards just for discounts. Don't max out cards even if you pay them off monthly (utilization is measured at statement time).