-
Step 1
Pay off your credit cards. The best thing you can do to fix your credit fast is pay down existing credit card balances. If a lending company knows you have a lot of debt, it will perceive you as a greater risk, since a lot of your money is already going toward paying off your credit cards.
-
Step 2
Make payments on time. This is hugely important for having a good credit score. If you have to choose between making a payment on time and paying more down on your credit card, make the payment; excess money can be attributed to credit card debt, but don't neglect other bills just to pay down credit cards.
-
Step 3
Avoid new debt or credit. Increasing your debt load or access to a larger debt loan in the form of additional credit lowers credit scores in the short term, so don't apply for more credit cards or new loans.
-
Step 4
Resolve errors on your credit cards fast. If you notice a charge on your credit card that you did not make, report it immediately, and dispute it to attempt to get it erased from your obligations.
-
Step 5
Spend less. Paying down credit cards is great, but it doesn't do much good if your spending offsets the payments you make. Reducing the amount of money put on credit cards will reduce debt and increase credit scores.
