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Your credit score is usually your gateway to getting better loans at lower interest rates. They range from 300 to over 751. With a low credit score you are limited to what a creditor is willing to risk, and you will most likely be denied credit or subjected to smaller amounts at higher interest rates. With a score in the 800s, you will be eligible to much higher loans at the lowest interest rates. High credit scores must be earned, but even if you currently have a low credit score, you can increase your score in 3 to 6 months if you are disciplined in following specific steps.



  1. 1
    Recognize that a person's credit score is subjective and that the results are dependent on debts and personal payment habits. However, increasing credit scores within months should be possible if you are determined to do so. The only thing that would make it more difficult within a short timeframe would be if you had recently filed for bankruptcy or damaged your credit in some other way.
  2. 2
    Review your credit reports and make sure that all the information is correct on all 3 credit bureaus. Ensure that credits cards, loans, bills, and mortgages are yours and that the balances are correct. Contact the applicable credit bureau if you see something that is concerning that needs to be disputed. Correcting disputes can raise credit scores quickly. Ideally, you should get into the habit of checking your credit report annually.
  3. 3
    Avoid paying your bills late as this will reflect negatively on your credit score. Consider setting your bills up to be paid automatically from your bank account. Just make sure you have enough funds in your account to cover the bills or you could cause more issues for yourself. Paying your bills on time will raise your credit score, just as not paying them on time can reduce your score dramatically.
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    Reduce your debt by paying down your large credit card balances; just make sure you pay more than the minimum for it to have any effect. Then pay off smaller amounts, if possible. Don't close a paid-off or unused credit card as this will lower your credit score; unless you are still incurring fees whether they are used or not. You may actually make a small purchase on an unused card so the issuer continues to report the action, but pay the amount off immediately. Keep your credit card balances low and never max them out.

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  • Opt for a secured credit card with lower interest rates and fees. You may have to pay the issuer a security deposit, but it is a great way to help increase your credit score.
  • Be cautious when shopping for loans and credit cards. Your credit score is checked every time you apply for a loan and too many inquiries on your credit can decrease your score. Note however, that a bunch of credit inquires within a short period of time is not treated negatively, so consider shopping for loans within a 2-week period.

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Categories: Credit and Debt


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