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Your credit score matters. Someone can take one look at your score and determine your mortgage and car loan rates, consider whether or not to approve your apartment or credit card application, and even decide whether or not to hire you for employment.

Your credit score impacts many aspects of your life. Therefore, it’s vital that you start raising your score now (that perfect house isn’t going to be on the market forever). Keep reading to discover how you can improve your score in as little as 30 days!

No one is perfect. We’ve all made mistakes. Unfortunately, some mistakes can result in low credit scores. The kinds of scores that can linger and make obtaining additional credit a challenge.

Keep in mind that credit scores don’t just affect borrowing. Today many employers review a prospective employee’s credit score before extending a job offer. Banks, other financial organizations, and government agencies also routinely check credit scores for a variety of reasons.


Here are seven specific things to do (or not do) that — all else being equal — should help push your credit score higher. Of course, no two people’s situations are exactly alike, and results may vary, but these steps are all generally credit-positive moves:

1. Never make a late payment
2. Decrease your credit utilization
3. Increase your credit limit
4. Get a balance transfer credit card or peer-to-peer loan
5. Use your old cards so they’re not closed
6. Get a secured credit card
7. Check your credit report for errors and remove them

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Avoid pay for delete and late payment adjustments-

There are some suggestions for how to improve your credit score in 30 days that, while they look interesting, are less than reputable.

Pay for delete and late payment adjustments are two credit cleanup methods where borrowers ask debt collectors to report information that may not be entirely true to the credit reporting bureaus.

Pay for delete is a process in which a borrower offers to pay the debt they owe only if the creditor will remove the negative account history from their credit report.

Late payment adjustments — also known as goodwill letters — are letters written by borrowers to lenders asking them not to report late payments.

Both these methods might be a violation of the Fair Credit Reporting Act (FCRA), which requires fair and accurate credit reporting.

According to the FCRA “unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.”

Accounts in collections and late payments stay on your credit report for seven years. If you pay off an account in collections, it should be reported as “paid collection.” If it’s not, ask your debt collectors to send a letter stating that the debt has been paid in full.

Even if your creditors follow through with pay for delete or late payment adjustments, there’s no guarantee it will occur in 30 days.

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The road to good credit isn’t short-

While a quick boost to your credit score is nice and sometimes necessary, don’t get stuck on what you can do in one month. Building and maintaining good credit is something you’ll work on for life.

Luckily, it’s not that hard to do. Just make sure you have the breathing room in your finances to make on-time payments. Also, avoid accruing balances that exceed 30% of your total credit limits. Keep following these best practices and you’ll master ways on how to improve your credit score in 30 days in no time.


Kudosware is a tech consulting firm. After 5 years in the industry, we decided to alter direction and now we share our passion by helping others.

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