A strong credit score is one of the most powerful financial tools you can have. It determines your ability to get approved for loans, secure better interest rates, rent an apartment, and even land certain jobs. But if your credit has taken a hit recently, there are strategies you can use to rebuild your score faster than you might think.
While most people know the basics – pay bills on time, reduce debt, and dispute errors – there are less obvious tactics that can give your score a much-needed boost.
If you’re looking for real results, here’s what you need to do.

1. Request a Credit Limit Increase (But Don’t Use It)
One of the biggest factors influencing your credit score is credit utilization – the percentage of your available credit that you’re actually using. Most experts recommend keeping it below 30 percent, but the lower, the better.
A quick way to lower your utilization is to increase your credit limits without increasing your spending. Call your credit card issuer and ask for a higher limit. If approved, your available credit increases, which instantly improves your credit utilization ratio.
For example, if you have a $5,000 limit and a $2,000 balance, your utilization is 40 percent. But if your limit is increased to $10,000, your utilization drops to 20 percent, which helps boost your score.
2. Become an Authorized User on Someone Else’s Credit Card
If you have a trusted family member or friend with excellent credit, ask if they’re willing to add you as an authorized user on their credit card. This allows you to piggyback off their good credit history, which can boost your score significantly.
As an authorized user, you’ll benefit from their long credit history and low utilization, even if you never actually use the card. This works best if the primary account holder:
- Has a high credit limit
- Keeps their balance low
- Always pays on time
3. Pay Off Smaller Debts First
Most people focus on paying off high-interest debt first – which makes sense financially – but when it comes to your credit score, the number of accounts with outstanding balances also matters.
If you have multiple small balances across different cards, paying them off completely can help boost your score. This is because the credit scoring model considers how many accounts have balances. Reducing the number of accounts with balances shows lenders that you’re managing debt more effectively.
If you’re deciding between paying off a $500 balance on one card or putting $500 toward a larger debt, consider paying off the smaller one first, as it could provide a quick credit score boost.
4. Set Up Automatic Payments
Even one late payment can damage your credit score for up to seven years. To avoid this, set up automatic payments for at least the minimum amount due on all your credit accounts.
This way, even if you forget a due date or experience temporary financial hardship, you’ll avoid a negative mark on your credit report. If possible, try to pay more than the minimum to reduce interest costs, but ensuring you never miss a payment is the most important factor in protecting your credit score.
5. Dispute Negative Marks That Can’t Be Verified
Credit bureaus and creditors must verify any negative information on your report. If they can’t, they legally have to remove it. Many people assume they’re stuck with bad credit history, but if you challenge items that aren’t backed by proper documentation, you may be able to have them removed.
To dispute items on your credit report:
- Request a free copy of your report from AnnualCreditReport.com.
- Look for negative marks, such as late payments, charge-offs, or collections.
- Dispute any errors or unverifiable debts with the credit bureaus.
The Fair Credit Reporting Act (FCRA) requires credit bureaus to investigate disputes within 30 days. If a creditor fails to provide proof, the negative item must be deleted.
6. Ask for a “Goodwill Adjustment” on Late Payments
If you have a history of on-time payments but slipped up once or twice, you may be able to get a late payment removed simply by asking. This is called a goodwill adjustment, and many creditors are willing to do it – especially if you have a strong track record of responsible borrowing. Write a polite letter or call your creditor explaining the situation.
7. Use a Credit-Builder Loan or Secured Credit Card
If your credit score is low or you don’t have enough positive payment history, a credit-builder loan or secured credit card can help.
A credit-builder loan works by holding the loan amount in a savings account while you make payments. Once you’ve made all payments, you receive the loan amount, and your on-time payments help build your credit history.
A secured credit card requires a deposit (usually $200-$500), which acts as your credit limit. By using it responsibly and paying the balance in full every month, you can establish a positive payment history and eventually qualify for an unsecured card.
Get Your Credit Back on Track
If you have bad credit, you need to be proactive. The more aggressively you attack the negatives and support them with new positives, the faster your credit score will rise. Within a few months, you might find yourself in a totally different (and better) situation.

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