Short version:
Small, consistent moves beat big promises.
If you keep your utilization low, pay on time, and add the right positive data, your FICO score can improve in 30–60 days. Bookmark this guide and follow each step.
1. Keep Your Credit Utilization Under 30% (Ideal: 10–15%)
Credit utilization = balances ÷ credit limits.
High utilization is one of the fastest ways to tank a FICO score.
Why it works:
Utilization makes up 30% of your FICO score — lowering it often triggers quick score gains.
Do it now:
- Make a mid-cycle payment before the statement closes
- Pay balances down to 10–15% if possible
- Set reminders for statement dates
2. Pay On Time — Even the Minimum — Every Single Month
Payment history is the #1 scoring factor.
A single 30-day late can hurt your score for months.
Why it works:
On-time streaks build trust; negative marks fade with age.
Do it now:
- Turn autopay ON for minimum payments
- Add calendar alerts 3 days before due dates
- Pay early if you can — early payments help utilization
3. Add Positive Data: Utilities, Rent & Phone Bills
In the United States, several tools allow you to add “alternative data” to your credit file:
- Experian Boost (utilities, phone, streaming)
- Rental reporting services (rent payments)
- Banking data connections
Why it works:
More verified, on-time payments = stronger risk profile.
Do it now:
- Connect utility and mobile bills
- Ensure all bills are under your name
- Link bank account to Experian Boost
4. Request a Credit Limit Increase (Soft Pull Only)
Raising your limit reduces your utilization instantly, even if your balance stays the same.
Why it works:
Lower utilization = fast score bump.
Do it now:
Ask your bank through chat or app:
“Is a credit limit increase available using a soft inquiry?”
If they require a hard pull, skip it for now.
5. Dispute Clear Errors — Don’t Ignore Them
Errors are extremely common:
duplicate accounts, wrong balances, paid debts marked delinquent, identity mix-ups.
Why it works:
Removing ONE inaccurate negative item can raise your score 30–60 points instantly.
Do it now:
- Log in to Experian, Equifax, and TransUnion
- Gather statements, payment proofs, screenshots
- File a digital dispute — be factual and concise
6. Build Age & Mix: Keep Old Accounts + Add One Builder Line
Your score improves when you show stability:
- Keep your oldest credit card open
- Add one credit-builder loan (Self, Chime Credit Builder, etc.)
- Or a secured credit card if needed
Why it works:
Longer credit age + diversified accounts = stronger scoring.
Do it now:
- Do NOT close your oldest card
- Pick a low-fee builder option and set it on autopay
7. Start a 90-Day “No New Debt, No Overdrafts” Streak
For the next 90 days:
- No new credit cards
- No new loans
- No overdrafts
- No missed payments
Why it works:
Scores love stability.
A clean 90-day window shows you’re low-risk.
Do it now:
- Do a 10–15 minute weekly budget check
- Separate essentials vs. optional spend
- Automate a small payday savings transfer
Quick Checklist (Save This)
- Utilization under 30% (target 10–15%)
- Autopay ON for all minimum payments
- Mid-cycle payment before statement closes
- Add rent/utility/phone positive data
- Soft-pull limit increase only
- Dispute errors with documentation
- 90-day no-new-debt streak