Improving your credit score by 100 points in just 30 days may seem like a daunting task, but it is possible with the right strategies and consistency.

Whether you’re preparing for a major purchase like a house or just want to improve your financial standing, these tips can help you achieve significant improvements in a short period.

In this article, we will walk you through actionable steps to increase your score, including disputing errors, paying down debt, and leveraging credit repair techniques. Follow these tips, and you’ll be well on your way to boosting your credit score quickly.

8 Things You Can Do Now to Improve Your Credit Score in 30 Days

If you’re aiming to improve your credit score by 100 points, here are eight actionable steps you can take today:

1. Get a Copy of Your Credit Report

Before you can make improvements, you need to know where you stand. Obtain your free credit report from the three major credit bureaus—Experian, Equifax, and TransUnion. Visit annualcreditreport.com to request your free report once a year. Reviewing your credit report will give you insight into what’s affecting your score, such as late payments, high credit utilization, and any collection accounts.

2. Identify the Negative Accounts

Once you have your credit report, review it carefully. Look for accounts that are having a negative impact on your score, including:

• Late payments: Even a single late payment can significantly affect your credit.
• Collection accounts: Accounts in collections are a red flag for lenders.
• High credit card balances: Excessive debt can hurt your credit utilization ratio.
• Inaccurate personal information: Ensure your address, employer, and other personal data are correct.

Highlight these negative accounts and get ready to take action. The next step is to dispute any inaccuracies.

3. Dispute the Negative Items with the Credit Bureaus

If you notice any inaccuracies, errors, or outdated information on your credit report, dispute them. You can dispute any item you believe is incorrect by contacting the credit bureaus. Under the Fair Credit Reporting Act, credit bureaus have 30 days to investigate the dispute. If they cannot validate the item, it must be removed from your report. Disputing inaccurate items can sometimes result in a major credit score boost in a short time.

You can dispute online, by phone, or by mail. Disputing online is the fastest method, but many people have seen success disputing by phone for a more personalized approach.

4. Dispute Credit Inquiries

Credit inquiries, especially hard inquiries, can also impact your credit score. While credit inquiries generally stay on your report for 12 months, you can dispute any unauthorized inquiries. Call the credit bureaus and ask for the inquiry to be removed if the creditor can’t verify your authorization.

Disputing inquiries is not always successful, but it’s worth trying if you notice any errors or unauthorized inquiries. Keep in mind, though, that inquiries have less impact on your score than factors like payment history or credit utilization.

5. Pay Down Your Credit Card Balances

Your credit utilization ratio, which is the percentage of your available credit you’re using, accounts for 30% of your FICO score. The lower your balances, the higher your score will rise. Focus on paying down high-interest credit card balances. Aim to keep your credit utilization under 30%, and ideally under 25%, for a noticeable improvement.

Reducing your debt not only helps raise your credit score but also makes it easier to manage your finances. Consider paying off credit cards with the highest interest rates first (also known as the avalanche method) or the lowest balances (the snowball method) to feel motivated as you make progress.

6. Do Not Pay Accounts in Collections

One mistake many people make is paying off accounts in collections. However, paying a collection account does not remove it from your credit report. Instead, it may be better to focus on disputing collection accounts if they’re incorrect. If the collection agency refuses to remove the item upon payment, you may be stuck with a zero-balance collection that still hurts your score.

If you do decide to settle with a collection agency, ensure you get a “pay for delete” agreement in writing, which means the collection will be removed once you settle the debt.

7. Have Someone Add You as an Authorized User

One quick and easy way to boost your credit score is by asking someone with good credit to add you as an authorized user on their credit card account. This allows the positive history of that account, including on-time payments and low balances, to appear on your credit report.

Make sure the account you’re being added to is in good standing, as any missed payments or high balances will negatively affect your credit. This strategy is especially helpful if you have a limited credit history or a low score due to high credit card utilization.

8. Consider Getting a Secured Credit Card

If you don’t have a credit card, or if your credit cards are maxed out, consider applying for a secured credit card. With a secured card, you deposit a set amount of money into a designated account, and this serves as your credit limit. While secured cards require a deposit, they are a great way to build credit if you have poor or no credit history.

If you already have some credit cards, wait until after implementing the above steps to apply for a secured card, as you may qualify for an unsecured card with a better interest rate.

How Your Credit Score is Calculated

Your credit score is determined by several factors, with different weights assigned to each:

• Payment History (35%): The largest factor in your score, covering late payments, bankruptcies, and other issues.
• Credit Utilization (30%): The percentage of your available credit that you’re using. Keeping it under 30% is ideal.
• Length of Credit History (15%): The average age of your accounts. The older, the better.
• New Credit (10%): Includes recent credit inquiries and newly opened accounts.
• Credit Mix (10%): A healthy mix of different types of credit accounts (credit cards, installment loans, etc.).

Understanding how these factors work together can help you make better decisions as you improve your credit.

Tips for Boosting Your Credit Quickly

While these steps will help in raising your credit score, here are a few additional tips to speed up the process:

• Set up automatic payments to avoid late payments.
• Use credit monitoring services to track your score regularly.
• Don’t apply for new credit cards during the 30-day period to avoid hard inquiries.
• Consider a credit-builder loan if you’re new to credit or rebuilding after financial setbacks.

Final Thoughts

Improving your credit score by 100 points in 30 days requires focus, persistence, and the right approach. While not everyone will see a 100-point increase, the steps outlined in this article can help you achieve a substantial boost in a short time. By disputing inaccuracies, paying down debt, and adding positive credit history, you’ll improve your score and take control of your financial future.

Stay proactive, and continue working on your credit even after reaching your 30-day goal to ensure long-term financial health. If you’re planning to apply for a mortgage, car loan, or any other major credit-related decision, having a solid credit score can make all the difference in securing better terms and rates.