How to Improve Credit Score Fast
1. Pay credit card balances strategically: The portion of your credit limits you're using at any given time is called your credit utilization.
2. Ask for higher credit limits: When your credit limit goes up and your balance stays the same, it instantly lowers your overall credit utilization, which can improve your credit.
3. Become an authorized user: If a relative or friend has a credit card account with a high credit limit and a good history of on-time payments, ask to be added as an authorized user.
4. Pay bills on time: No strategy to improve your credit will be effective if you pay late.
5. Dispute credit report errors: A mistake on one of your credit reports could be pulling down your score.
6. Deal with collections accounts: Paying off a collections account removes the threat that you will be sued over the debt
7. Use a secured credit card: Another way to build or rebuild your credit is with a secured credit card.
8. Get credit for rent and utility payments: Rent reporting services can add your on-time rent payments to your credit reports.
9. Add to your credit mix: An additional credit account in good standing may help your credit, particularly if it is a type of credit you don't already have.