If you want to see fifty points in one or two months, here’s your checklist. Week 1: Set up autopay on everything and request a credit limit increase on one card (even if it’s from $2,000 to $3,000).
Week 2: Get your credit reports and file disputes for any errors you find. Then, ask a trusted friend to add you as an authorized user.
Week 3: Pay down your credit card balances to under 10% of your limit. If you can pay them to zero, even better—that’s like a spa day for your score.
Week 4: Relax. Don’t apply for any new credit. Let the magic work. You’ve done the heavy lifting. Now you just wait for the points to roll in like happy little dominoes.
