Short version: Small, consistent moves beat big promises. If you keep utilization low, pay on time, and add the right positive data, your score can improve in 30–60 days. Bookmark this guide and follow it step by step.
#1 Keep Your Utilization Under 30% (Ideal: 10–15%)
Your utilization ratio = current balance ÷ total limit. High ratios signal risk. Bringing it under 30%—and ideally near 10–15%—is one of the fastest wins.
Why it works: Scoring models heavily weight utilization.
Do it now: Make a mid-cycle payment before the statement closes. Turn on reminders for statement dates.
#2 Pay on Time—Even the Minimum—Every Single Month
Payment history is the #1 factor. A single 30-day late can drag your score for months. Autopay the minimum; make extra payments when cash allows.
Why it works: On-time streaks compound; late marks fade with age.
Do it now: Enable autopay and calendar alerts 3 days before due dates.
#3 Add Positive Data: Mobile, Utilities & Salary Deposits
Some lenders and credit tools allow alternative data (on-time telco, utilities, salary deposit proof). This can thicken a thin file.
Why it works: More verified, on-time payments = better risk profile.
Do it now: Connect your mobile or utility bills in eligible credit apps. Keep bills under your name.
#4 Ask for a Limit Increase (Without a Hard Pull)
If your bank offers a soft-pull limit increase, your utilization drops instantly (same balance, higher limit).
Why it works: Lower utilization = quick score bump.
Do it now: In-app chat: “Is a soft inquiry limit increase available?” If hard pull, skip for now.
#5 Dispute Clear Errors—Don’t Ignore Them
Mistakes happen (paid accounts marked delinquent, duplicate debts). Disputing with proof can remove negative marks.
Why it works: Removing one wrong negative item can lift scores fast.
Do it now: Gather screenshots and statements; open a dispute ticket with the lender or credit bureau. Be factual and concise.
#6 Build Length & Mix: Keep Old Accounts; Add One “Builder” Line
Account age and credit mix matter. Keep your oldest card open (even if unused). If your file is thin, consider one secured card or builder account.
Why it works: Older average age + more positive accounts = stability.
Do it now: Don’t close your oldest card. If adding a new line, pick low fees and set autopay.
#7 Create a 90-Day “No-Overdraft, No-New-Debt” Streak
For the next 3 months, avoid new debt, overdrafts, and late marks. This calm period lets your utilization and on-time record shine.
Why it works: Scores respond to stability and low-risk signals over time.
Do it now: Do a 15-minute weekly budget check. Split essentials vs. optional, and automate savings on payday.
Quick Checklist (Save This)
- Utilization under 30% (target 10–15%)
- Autopay ON for minimum dues
- Mid-cycle payment before statement date
- Add mobile/utility positive data
- Ask soft-pull limit increase only
- Dispute errors with proof
- 90-day no-new-debt streak
Next up: How Filipinos Can Get Approved for a Credit Card Fast →
Educational content only, not financial advice. Always check your bank’s terms.