How Fast Can I Improve My Credit Score Today

By Tim H Lambert

Credit cards have been used over the years for ease in the purchase of different goods and services. Although it offers great convenience for users, it may be a problem for some people who abuse the use of their cards. As a result, these people have negative marks on their credit reports and have a large amount of debt to pay. If you are one of them and if you want to answer this question, ‘How fast can I improve my credit score today?’, here are some affective answers.

The first and most important thing to do would be to request for your credit report from any one of the three credit bureaus namely Equifax, TransUnion or Experian. They can give you a copy for free so you don’t have to worry about the money. After receiving your credit report, read it carefully and comprehensively. If there are things that you don’t understand, take note of them. In addition, list all the negative marks that you see in your report.

After taking notes on the negative marks and errors in your credit report, you may already call the bureau where you requested your report. Clarify the errors and negative marks and request a correction for those errors. Request a copy of the corrected version so that you will be able to check whether the errors and negative marks were removed.


If the negative marks are due to a large amount of debt that you need to pay, start paying them off immediately. It is very important to pay your debt so that it will not increase over time. Remember that there is an interest in the payable amounts so the later you pay, the larger will be your debt.

Saving money is the key to decreasing your debt. Stop shopping for unnecessary things and purchase only the basic stuff that you need in your daily life. These things include water, food, rent, beverage, gas and others. You can use your savings to pay for your debt. It is suggested that you pay more than the required amount in order for you to complete the payment in a shorter period of time.

After paying the total amount of debt, you may apply for another card to renew or reestablish good credit. Make sure that when your bill arrives, you should be able to pay your balance immediately. In addition, never let your balance go beyond your credit limit because it will cause you to have negative marks again. You can request for an increase in your credit limit if your balance is already near the maximum amount.

Lastly, always monitor your credit report by requesting a copy of it annually. By checking your credit report often, the occurrence of mistakes can be avoided.

These are just some tips to answer your question, ‘How fast can I improve my credit score today?’ Remember that discipline is the best armor in avoiding a large debt or credit. So before purchasing an item, always think twice and never abuse your credit cards again.

About the Author: For more advice on how to fix your credit score, go to Let the experts show you how to improve your credit scores.


Permanent Link: