Improving your credit score takes consistency, but you can see results in 1-3 months with these steps:
1. Pay every bill on time — even one late payment drops your score 50-100 points.
2. Lower credit card utilization below 30% — if your limit is $10,000, keep balance below $3,000.
3. Don't close old credit cards — they help your credit age.
4. Check your report for errors — 20% of reports have mistakes. Dispute them for instant improvement.
Read our complete guide: 9 Steps to Improve Your Credit Score
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