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5 Smart Ways to Improve Your Credit Score Fast
Written by Credit Coach Lisa | Published on August 8, 2025
Improving your credit score doesn’t have to be confusing or time-consuming. Whether you're just getting started or trying to recover from past mistakes, these five smart strategies will put you on the fast track toward better credit — without all the jargon.
Pay Your Bills on Time – Every Time
Payment history makes up 35% of your credit score. Even a single late payment can cause a dip. Set up automatic reminders or autopay to ensure you never miss a due date.
Lower Your Credit Utilization
Keep your credit card balances below 30% of your total credit limit. For example, if your limit is $1,000, aim to keep your balance under $300. Paying more than the minimum each month also helps.
Don’t Close Old Accounts
Older credit accounts help build a longer credit history — which positively impacts your score. Unless there’s a high annual fee or a specific reason, consider keeping older accounts open.
Avoid Hard Inquiries
Applying for multiple loans or credit cards in a short time can hurt your score. Only apply when absolutely necessary, and check if you're eligible for a prequalification (which doesn’t affect your score).
Monitor Your Credit Report Regularly
Mistakes happen — and they can bring your score down. Use free tools to check your credit report for errors and dispute anything that looks off. Monitoring regularly keeps you in control.
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