Your credit score affects your ability to borrow, your loan rates, and even your job opportunities. Improving it doesn’t have to take years—there are proven ways to boost your FICO score quickly.
Tips That Work:
- Pay down credit card balances – Keep utilization under 30%.
- Become an authorized user on someone else’s old, clean account.
- Dispute inaccuracies on your credit report (use AnnualCreditReport.com).
Do Not:
- Close old credit accounts (they help your age of credit).
- Apply for too many new accounts in a short time.
With discipline, a 50–100 point jump is possible within 3–6 months. Tools like Credit Karma or Experian Boost can help track your progress.