How to fix a bad credit score fast and easy?

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Key takeaways

Regularly check your credit reports from all three credit bureaus for errors and dispute any inaccuracies.
Maintain a low utilization ratio and always pay bills on time.
Utilize tools like secured cards and rent-reporting services to fix your score.

Fix your credit score to unlock better financial opportunities and peace of mind. A bad score can hinder your ability to secure loans, rent an apartment, or even get a job. Fortunately, improving your credit score is easy. All it takes is a little dedication to better financial habits.

In this guide, we’ll go over some practical suggestions to get you started. Follow the tips below, and you can bring your score where you want it to be.

Understanding your credit score

The first step to fixing your credit score fast is understanding your score and how it is calculated. Credit scores are three-digit numbers that tell lenders how reliable you are. A higher score indicates that you will repay the money you borrow, while a lower one tells lenders you are at high risk for default.

Credit scores are derived from the information in your credit reports. Banks, lenders, and other financial institutions send data to the three main credit bureaus – Experian, Equifax, and TransUnion – which compile it into your reports. To generate your score, they use a credit scoring model that analyzes the reports and comes up with a three-digit number.

The two main scoring models are FICO and VantageScore. Both models use a range of 300-850, but the exact categories and factors that determine your score differ slightly.

The basic factors that both models consider are payment history, amount used, how long you’ve had accounts, credit mix, and new inquiries.

Paying bills on time is the best thing you can do, followed by a low utilization rate. The idea behind both is that you can pay your bills when due and are not overly reliant on borrowing money. Both indicate that you are responsible and financially solid.

If you have accounts in collections, it’s a good idea to pay them off, as it will help your utilization rate and payment history. The FICO 8 model still takes paid collections into account. However, newer FICO models and VantageScores disregard paid collections. Paying off collections is a good idea no matter which model the lenders use.

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What is a bad credit score?

FICO and VantageScore have slightly different definitions, but generally, a bad score is below 600.

FICO Score Ranges

800-850: Exceptional
740-799: Very Good
670-739: Good
580-669: Fair
300-579: Poor

Vantage Score Ranges

781-850: Excellent
661-780: Good
601-660: Fair
500-600: Poor
300-499: Very Poor

Bad scores are anything below 580 on the FICO or below 600 for VantageScore. To have good credit, you need a FICO score above 670 or a VantageScore above 780.

A poor credit score is below average—most consumers have a good credit score—and can be the result of missed payments, high balances, or accounts in collection. Understanding where your score falls and why is the first step to improving it.

Check your free credit score

There’s no reason for your credit score to be a mystery. Many financial institutions and personal finance apps offer free score tracking as part of their service. Check your score and keep tabs on it to know where you stand.

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Reviewing your credit report

Now that you know your credit score, it’s time to review your report. You can get a free credit report from each of the major credit bureaus once a year via AnnualCreditReport.com.

Once you have your reports from all three bureaus, review them. Look for anything negatively impacting your score. If you find any negative inaccurate information, dispute it. If the negative mark is accurate, then you’ll know what behavior you need to change.

Check your credit report for errors

Your credit report contains detailed information about your accounts, payment history, and any public records.

Look for common errors such as:

Incorrect personal information: Ensure your name, address, and Social Security number are correct.
Errors in account information: Check that all listed accounts belong to you and that the balances and payment histories are accurate.
Duplicate accounts: Verify that each account is listed only once.
Outdated information: Make sure old debts that should no longer be reported have been removed.
Inaccurate public records: Confirm that any public records like bankruptcies or tax liens are reported correctly.

If you find any errors, take the time to dispute them with the issuing bureau.

Fix or dispute any errors on your credit report

Disputing an error is not hard. First, gather documents to support your claim, such as bank statements, payment records, or correspondence with creditors. Next, file the dispute online, by mail, or over the phone with the issuing bureau. You may also want to contact the creditor who reported the incorrect information directly. The credit bureau has 30 to 45 days to investigate your dispute. Make sure to follow up to ensure that the error has been corrected.

Getting an inaccurate negative mark off your report can give an immediate boost.

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Improving your credit history

The next step in improving your credit score is to establish a positive history. This means on time payments and paying down debt.

Pay your bills on time

Payment history is a big deal. It constitutes 35% of your FICO score and 40% of your VantageScore. Consistently making on time payments is the best thing you can do. Late or missed payments will drag your score down.

To make sure you never miss a payment, set up reminders. Use calendar alerts or a bill tracking app to remind you of upcoming due dates. Or you could enroll in automatic payments to avoid forgetting altogether. Make sure you have enough money in your bank account so you don’t accidentally overdraw.

If you’re having trouble with paying bills because of when they’re due, reach out to your creditors and ask about changing due dates. You may be able to move due dates to when you’re paid or spread bills out throughout the month so you don’t have to pay everything at once.

Pay down debt

If you have overdue accounts, prioritize bringing them current. Each month with a missed payment further damages your score. Paying down outstanding debts and bringing delinquent accounts current will boost your score.

There are plenty of strategies to pay off old accounts. You can do the debt snowball or debt avalanche method. Both of these help you prioritize debts and give an effective plan for making all accounts current. Another option is to take out a debt consolidation loan. A debt consolidation loan will combine all your debts into one, ideally with a lower interest rate. This makes it easier to pay off your accounts and save money.

If you’ve proven that you’re trying to pay off a collection account, it may be worth contacting your creditors and asking them to stop reporting delinquent payments. They have no obligation to do this, but it can’t hurt to ask.

Limit how often you apply for new credit accounts

New accounts are a mixed bag. It’s true that if you’ve only had cards, then taking out a personal loan can improve your credit mix, which lenders like. That said, don’t take on debt you cannot afford.

New accounts can also hurt your score. Each time you apply for installment loans or cards, a hard inquiry is added to your report, which can temporarily lower your score by a few points. The impact is small and not a big deal for one application. The point is to be strategic about what you apply for and not to submit lots of applications at once.

If your application is denied, wait six months to a year before applying again. Not only does this let your score recover, but it also shows lenders that you’re not desperate to borrow money.

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Managing credit utilization

The second biggest factor in calculating your score is your utilization ratio. It makes up 30% of your FICO score and 20% of your VantageScore. Credit utilization is your credit card balances vs. your limits. In other words, the amount used. Here are key strategies to manage your utilization effectively.

Keep your utilization ratio below 30%

Aim to keep your utilization ratio below 30%; lower is even better. Consumers with exceptional scores have ratios in the single digits. A low utilization ratio shows you’re not reliant on borrowing money.

Regularly check your accounts to stay aware of your balances.

Reduce your high-balance accounts

Maxed out credit cards are good for no one and will only harm your score. Try to make multiple payments towards your credit card debt throughout the month. Use any extra income, such as bonuses or tax refunds, to make additional payments on high-balance accounts. Even paying a little more than the minimum payment can help reduce your balances faster.

Consider using budgeting apps to track your spending and ensure you are not over-utilizing your cards. Always make more than the minimum payments to keep your balances low and avoid interest charges.

Reducing high-balance accounts can lower your utilization ratio and improve your score.

Ask for a higher credit limit

Increasing your limits can help lower your utilization ratio, provided you maintain the same spending levels. If you’ve recently received a raise at work or established a positive payment history, then you have a good chance of receiving a higher limit. Call your card issuer or request an increase online. Be prepared to provide income information and the reason for your request.

By increasing your limits while keeping your balances low, you can significantly reduce your utilization ratio.

Keep old credit cards open

The length of your credit history accounts for 15% of your FICO score and 21% of your VantageScore. A longer history provides more data for lenders to consider. Keeping older cards open can help. Closing old accounts can shorten your history and decrease your cumulative limit, hurting your utilization ratio and negatively impacting your score.

If you do not regularly use an older card, keep it active by making small purchases and paying them off each month. If the card has too many fees, closing the account and taking the hit to your score may be worth it.

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Building a stronger credit history

There are plenty of ways to improve your profile and boost your score. Here are a few effective strategies:

Consider opening a secured card to build a positive credit history

Secured credit cards are an excellent option. These cards require a security deposit to lessen the risk to the issuer. The cash deposit is fully refundable if you close your account in good standing and typically serves as your limit.

You use the secured card just as you would a traditional card. Make small purchases and pay your bill in full each month. This lets you keep your utilization rate low and establish a positive payment history. Little by little, as you build responsible habits, your score will improve, and eventually, you can qualify for an unsecured credit card.

Do a little research before you apply. You’ll want a secured credit card from a reputable issuer that reports to all three major credit bureaus and doesn’t charge too many fees.

Become an authorized user to boost your score

A simple way to raise your rating is by becoming an authorized user on a credit card account belonging to a friend or family member with a strong credit history. As an authorized user, the primary cardholder’s account activity will appear on your report, potentially boosting your score. It doesn’t matter if you never use the card or even have access to it.

This method works quickly, with noticeable improvements likely as soon as the credit card issuer reports the new account to the bureaus.

Get credit for other payments to improve your score

You can improve your score by paying monthly bills, including rent and utility bills, on time. Traditionally, only card and loan payments are reported to the credit bureaus. More and more companies are now reporting other payments to help consumers build a positive payment history. Look for services that report rent, utility, phone payments, and more.

Including these additional payments can raise your rating if you consistently pay on time.

Monitor your credit score regularly to track progress

Regularly check your score and report to track your progress and identify areas for improvement. Many financial institutions offer free score monitoring services that provide regular updates. Sign up for alerts that notify you of significant changes to your report, such as a new account or hard inquiry.

Keeping tabs on your score helps you stay informed about your financial health and make necessary adjustments.

Frequently asked questions

1. What is the fastest way to fix your credit score?

The fastest way to fix your score is to address any errors on your credit reports, pay down high balances, and bring old accounts current. Consider becoming an authorized user or adding other monthly bills to your payment history. The fastest way to boost your score will depend on your unique situation. Talk to a nonprofit credit counselor for personalized tips.

2. Is it worth paying someone to fix your credit?

Paying someone is usually not worth it. There is nothing credit repair companies can do that you cannot do yourself for free. That said, if you’re dealing with complex issues or lack the time to manage them yourself, it may be worth paying a repair company to do it for you.

3. Can I fix my credit score by myself?

Absolutely. You will need to dispute errors on your reports, make on time payments, reduce debt, and keep your usage low. Gradually, your score will go up.

4. Is it true that after 7 years your credit is clear?

After seven years, most negative items are removed from your reports. This includes late payments or accounts in collection. However, not all debts are erased, and some, like unpaid tax liens, may remain longer.

5. Which of the following is a strategy for using credit wisely while improving your credit score?

The best thing to do to improve your score is pay your bills on time and maintain a low utilization rate. You can also take out a secured card or become an authorized user for a further boost.

Bottom line

Poor credit scores can be improved with a little work and diligence. Review your reports, dispute errors, and change your financial habits. Always pay your bills on time, keep your usage low, and don’t be reliant on borrowing. Over time, your score will grow.

Remember, improving your credit score is not an overnight fix. It takes continuous effort to demonstrate financial responsibility, but the effort is entirely worth it. A higher score will open doors to favorable loan terms, lower interest rates, and a more secure financial future.

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3. Individual results may vary. Using your credit card responsibly may allow you to improve your credit score. Credit building depends on various factors, including your payment history, credit utilization, length of credit history, and other financial activities.

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13. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

14. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

15. Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one- way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

16. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

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25. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

26. Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.

27. Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.

28. On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

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30. SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your Visa debit card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.

31. Tipping or not tipping has no impact on your eligibility for SpotMe®.

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33. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.

34. Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.

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Rachel Alulis

Rachel Alulis has been the lead editor for Moneyfor’s credit cards team since 2015 and for the financial rewards team since 2023. Before joining Moneyfor, Rachel worked at USA Today and the Des Moines Register. She then established a successful freelance writing and editing business specializing in personal finance. Rachel holds a bachelor’s degree in journalism and an MBA.

How to Fix a Bad Credit Score?