How to Boost Your Credit Score by 100 Points (Not Overnight, But Pretty Fast)

A 100-point jump is possible — especially if your score is between 580–699. Results vary, but these smart moves can get you there quicker:

1. Pay Down Credit Cards

Your credit utilization (how much you owe vs. your limit) makes up 30% of your score.

Keep it under 30%, ideally under 10%💡 Less debt = better score, fast.

2. Never Miss a Payment

Payment history is the biggest factor (35%).

Set auto-pay or reminders. One late payment can hurt you 50–100 points

3. Ask for a Higher Credit Limit

More available credit = lower utilization without paying anything off.

Example: A limit increase from $2,000 to $4,000 lowers your usage ratio instantly.

4. Become an Authorized User

Get added to someone’s well-managed credit card.

Their strong history boosts yours — just make sure they pay on time and keep low balances

5. Check for Errors & Dispute Them

Credit reports often have mistakes that can drag your score down.

Check all 3 bureaus at AnnualCreditReport.com. Dispute anything wrong online — it’s free

6. Don’t Close Old Accounts

Old credit = good credit.

Keep older cards open to maintain your credit history and lower utilization.

How Long Does It Take?

• 30–90 days if you're aggressive with debt payoff and fixing errors

• 6–12 months for steady, long-term improvements

Stay consistent — and skip the shortcuts.

Want help building a simple & personalized action plan based on your current score? Click Here to get started.