6 Ways To Boost Your Credit Score Fast

Just 1 late payment can drop your score 100+ points. Set autopay for the minimum to avoid disasters. Apps like Experian Boost help!

Maxing cards? Ask for limit increases or pay mid-cycle

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Having both installment loans (car) and revolving credit (cards) boosts scores. No mix? Try a credit-builder loan from Self or Credit Strong.

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Get free reports at AnnualCreditReport.com. Dispute inaccuracies (late payments, wrong balances) via Credit Karma or directly with bureaus.

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Closing old cards shortens credit history and raises utilization. Keep them open with a $5/month charge to avoid dormancy.

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Put down a $200 deposit (Discover/Capital One). Use lightly, pay on time—it converts to unsecured in 6-12 months!

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