To raise your credit score fast, focus on these key strategies:

• Pay bills on time: Your payment history is the most influential factor in credit scoring. Even one late payment can hurt your score for years. If you miss a payment, pay it immediately and ask your creditor to remove the late mark if possible

• Reduce credit card balances: Keep your credit utilization ratio below 30% of your available credit. Paying down balances quickly can boost your score within a month when issuers report updated balances to credit bureaus

• Ask for higher credit limits: Increasing your credit limits while maintaining low balances lowers your utilization ratio, which can improve your score quickly

• Become an authorized user: Being added as an authorized user on someone else’s credit card account with a good payment history can help build your credit faster

• Dispute errors on your credit report: Review your credit reports for inaccuracies and dispute any errors. Correcting mistakes can lead to a rapid score increase once resolved

• Use secured credit cards: If you have limited or poor credit, a secured credit card can help build positive payment history over several months

• Add rent and utility payments: Services like Experian Boost can add on-time rent and utility payments to your credit report, potentially improving your score instantly or over time

• Limit new credit applications: Each application can temporarily lower your score, so apply only when necessary

• Maintain a long credit history and diverse credit mix: Keep older accounts open and use a combination of installment loans and revolving credit responsibly

By consistently paying on time, lowering your credit utilization, and addressing errors, you can see noticeable improvements in as little as 30 days, especially if your score is currently low or fair