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How to Improve Your Credit Score in 30 Days

Improving your credit score in 30 days may feel impossible, but with the right steps and consistency, it’s possible.

How To Raise Your Credit Score in 30 Days
Updated Oct. 4, 2024
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Life happens, and sometimes we make mistakes that affect our credit. Fortunately, the mistakes don't have to have long-lasting effects. There are many ways you can improve your credit score in 30 days or sometimes a little more; you just need to know what to do.

The key is to have consistently good habits that help raise your credit score and increase your chances of securing financing in the future. The longer you carry on those good habits, the more likely you are to have a good credit score.

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In this article

What is a good credit score?

Credit scores can range from 300 to 850, depending on the reporting agency. The credit score ranges are excellent, good, fair, and poor — but the main thing to know is that the higher your number, the better.

To increase your chances of qualifying for the best rates and terms on things like auto loans and credit cards, aim for a score in the 750+ range. At a minimum, keeping your score over 620 can put you in a place where you'll be more likely to qualify for most loans and credit cards.

FICO credit scoring model

10 strategies that could improve your credit score in 30 days

I understand the feelings you have when you’ve made a few financial mistakes. It’s easy to feel like you’ve ruined your financial future, but the good news is that you haven’t. Here are ten of the best strategies that could help you increase your credit score fast.

1. Make sure your credit report is accurate

You should check your credit report at least twice a year or more often if you have reason to worry. Fortunately, you can request one free credit report weekly from all three major credit bureaus — Transunion, Equifax, and Experian by visiting AnnualCreditReport.com.

If you find errors, you could considerably raise your score if you report them immediately. For instance, if you notice that the same debt is listed twice, removing this inaccurate information can lower the amount of debt listed on your credit report, which could, in turn, increase your score. This can make a big difference since credit utilization typically makes up 20-30% of your score.

Take the time to read your report carefully. Look for old debt that should have been removed, information that isn’t yours, and fraudulent charges. If you find an error, inform each of the three credit bureaus and provide any proof you have of the error.

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2. Check your credit score regularly

Many people think checking your credit score lowers it, but this isn't true. Checking your credit score is one of the best ways to stay on top of your credit health and see what factors impact your score. This is especially important if you decide to borrow money, like a new credit card or a personal loan, as your credit score will help you understand your chances of approval.

If you sign up for a credit monitoring tool like Credit Karma, you'll get free access to your credit score, reports, and monitoring. Knowing your score may help you make different or better credit decisions, allowing your credit score to increase as a result.

3. Pay bills on time

Paying your bills on time is the number one way to increase your credit score. Your payment history makes up 30-35% of your total score, so missing monthly payments or making late payments can drop your score significantly. Conversely, a good payment history could increase your score.

Don't worry—you don't have to make large payments; just the minimum amount due by the due date will help your credit score. Lenders want to see that they can trust you by seeing an on-time payment history.

Consider the bills to put on autopay to reduce the risk of late payments. You can set this up directly through your bank and eliminate the risk of making late payments.

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4. Use credit cards responsibly

Aside from earning cash back or travel rewards, credit cards could be a great tool to build credit — if used responsibly. As effective as a credit card could be for raising your score, it could just as easily damage your credit.

The key ways a credit card can help build your score include:

  • Paying at least the minimum payment by the due date every month
  • Keeping your outstanding balance at 30% or less of your available credit line

Tip
Try to pay your card before the reporting date (versus your due date) to boost your credit score even faster. Services like Credit Karma will show the dates lenders report your credit card balances under the “Credit Card Use” section. You can use this to determine when to make your payments so that your credit report reflects positive information faster.

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5. Pay down a credit card or loan

As I said earlier, keeping your credit utilization below 30% may help increase your credit score. Credit utilization is the amount of potential credit you have versus how much of that credit line you have outstanding. In other words, it measures whether you've maxed out your credit cards or have ample breathing room.

There are several different arguments regarding strategies for paying off credit card debt. Some experts say you pay off the one with the lowest balance first (this is called the snowball method), while other experts say to target the card with the highest credit card interest rate to save the most money (this is called the avalanche method).

If you want to increase the likelihood of your credit score going up, I suggest paying down the credit card currently closest to being maxed out. This immediately lowers your credit utilization rate, and with good payment habits, your credit card issuer may automatically increase your credit line, which decreases your credit utilization rate even further.

6. Increase your credit limit on current cards

If you've established a good payment history on your credit cards for at least six months, consider requesting a credit line increase. A higher credit limit immediately lowers your credit utilization rate and has a direct, positive impact on your credit score.

While it's true that a credit limit increase may result in a hard credit pull, it only lowers your score by a few points. You'll more than make up the difference with a lower utilization rate.

Even if you don't request a credit line increase, some credit card issuers automatically provide them if you have good payment habits.

7. Make payments twice a month

An excellent way to trick the algorithms, even if you spend a lot on your credit card monthly, is to make two monthly payments. So rather than waiting until the due date to pay the total amount due, pay half of the bill right away and the other half before the due date. This naturally keeps your credit utilization low and helps increase your credit score.

8. Consolidate your debt

If you have multiple credit cards with high interest rates, consider applying for a new credit card with a balance transfer promotion to consolidate your credit card debt.

This helps increase your credit score in a couple of ways:

  • You'll have more credit available on the card you transferred from, lowering your credit utilization rate
  • You may be able to afford higher monthly payments with the lower interest rate, paying your balance down faster
  • You reduce the risk of missing a payment since you have fewer cards to manage

Balance transfer credit cards can be a great way to consolidate debt and save money you’d otherwise pay on interest charges. The promotional periods usually run from 12-21 months. For instance, the Citi Double Cash® Card offers a 0% intro APR on balance transfers for 18 months. After the promotional period ends, your APR will increase to the regular interest rate of 18.74% - 28.74% (Variable), so make sure you have a plan to pay your balance off within the introductory time frame.

Tip
I suggest you hide your cards if you think you can’t control your spending. Balance transfers are a popular method of eliminating debt, but this strategy can backfire if you charge your credit cards back up.

9. Ask to be added as an authorized user

If you have a close family member or friend you trust, you may ask them to add you as an authorized user on one of their credit card accounts.

Being an authorized user doesn't mean you have to use the card. As long as the credit card company reports authorized users to the credit bureaus, you can take advantage of your loved one's good credit to increase your score. This works best if the account has a long history of on-time payments with a low balance.

10. Don’t cancel old accounts

Not closing old accounts is one of the easiest ways to increase your credit score, but many overlook this option. If you close credit cards, your credit history is shortened. The length of credit history shows lenders you have a long track record of using credit responsibly. That means the older the account is, the better it is to hang on to and not cancel your credit card.

It's okay to cut up the cards, burn them, and stomp on the ashes (or melted plastic), but don’t close the account. Credit age makes up 15% of your credit score, and closing old accounts could lower your credit score. Even if you never use a line of credit, keeping it open could help mature your credit age.

Why is credit important?

Like it or not, there are many situations where credit scores matter. If you have bad credit, obtaining a loan or credit card could be more difficult, and you'll pay higher interest rates than someone with a good credit score. You may also have a harder time getting an apartment or landing a job if you have poor credit.

Your credit score is a number that allows potential lenders to decide whether you know how to manage your money. It directly represents your borrowing habits and payment history, so a lender can use your score to determine whether or not they want to do business with you. While this may seem a little heartless, financial institutions need to make decisions quickly, and this score makes their job easier.

This adds up to the simple fact that your credit score is important to your personal financial health. You should know how to keep your score in a healthy range so you can reap the financial benefits when you need them.

FAQs

Can I raise my credit score 100 points in a month?

It’s possible to raise your credit score 100 points in a month by following good credit practices, such as paying down balances to reduce your credit utilization and not making late payments. It also makes sense to check for errors on your credit report. Reporting errors and having them removed could be a quick way to boost your credit score.

What is the fastest way to boost credit score?

Here are ways to quickly boost your credit score:

  1. Check for and dispute errors on your credit report
  2. Pay your bills on time
  3. Regularly use your credit cards
  4. Pay down credit card balances
  5. Increase your credit limit on current credit card accounts
  6. Make regular on-time payments
  7. Get added as an authorized user
  8. Keep your oldest credit accounts open

Can a credit repair company help you increase your score quickly?

Credit repair companies might be able to help you increase your score quickly if they can get negative information removed from your credit report. In general, however, accurate negative information is difficult to remove, and it often takes time to increase your credit score.

Be wary of any credit repair companies that promise a dramatic credit score increase in a short time period, as they may be promising more than they can deliver.

How do you check your FICO score for free?

FICO has an "Open Access" program that allows financial institutions to provide free FICO scores to their customers. If you have a business relationship with one of the more than 200 participating partners, you should be able to obtain a free FICO score.

Other services, such as Experian Boost and Credit Karma, provide free credit score access. Discover also offers free access to FICO scores, even for people who are not Discover customers.

Ask these expert attorneys to help fix your credit

Disturbing: A new investigation from Consumer Reports reveals that 34% of Americans have found glaring errors on their credit report … errors that are not their fault.

You can dispute these errors at any time (since they affect your score), but the bigger issue is filing the disputes yourself and actually winning.

While some companies may ignore disputes you submit yourself, they may be more likely to respond to a powerful attorney from Safeport Law who knows exactly what to say and who to talk to.

Request a free consultation with Safeport Law here by providing your name, email address, phone number, and state.7

Services cost $99.99 per month, plus a one-time $99 initial work fee. You may cancel as soon as you feel your credit is healthy again.

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Tip
If, before raising your credit score, you were turned down for a credit card by Bank of America, Chase, or another card issuer, now is the time to call the Bank of America reconsideration line or the Chase reconsideration line. You can explain to the representative the steps you have taken these last 30 days to correct and raise your credit score, and they may overturn your denial.

Get credit for making on-time payments for your qualifying rent, utility bills, and streaming services2
100% free — no credit card required
New credit scores take effect immediately
FICO® Score refreshed every 30 days upon sign in and one free personal privacy scan