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How To Get Your Credit Score Up In 6 Months

Raising your credit score can improve your lifestyle in so many ways. For starts, you’re eligible for higher loans and mortgages. With a good credit score, your interest rates decrease, which can end up saving you thousands of dollars. 

Your credit score is made up of all the items on your credit report. It will show creditors which types of loans you have had in the past and any payments you’ve missed along the way. This report will also show if you have ever filed for bankruptcy. 

If you have damaged your credit score, it’s a good idea to start taking care of it immediately. The good news is, it’s not impossible. With the right effort put into it you can see a positive change to your credit score within 6 months. Here are a few things that you can do to watch your credit score go up:

Pay Your Bills On Time

The most important thing to do when you want to get your credit score up is to pay all of your bills on time. If you can’t afford to pay the whole balance off, at least make the minimum payment. This will show the creditors you are committed to getting your balance paid off.

Your payment history makes up 35% of your credit score. Making consistent payments every month can give your credit score a really good boost over a 6-month period. To help yourself achieve this, use a calendar to mark down when any upcoming payments need to be made. 

Review Your Credit History

Obtaining a credit report api can show you a detailed review of your credit history. When you apply for loans the credit agencies like to see accounts that have been open for a long time. Your credit report api can show you which accounts could be affecting your score so you can close them. 

This can also be an eye-opener for you to see which areas of your credit score need to improve the most. You can use this as a starting point in coming up with your plan to build up your credit score. 

Keep Your Credit Balance Low

You can raise your credit score 100 points by keeping your credit balance low. Keep your credit utilization ratio below 30%. You can optimize your credit score if you keep your utilization at 2% to 9%. You can compute for this number by dividing the total debt by the total available credit.  

You can reduce your credit utilization ratio by requesting an increase in credit card limit. This approach is better than getting a new credit card account. Remember that credit inquiry lowers your credit score by a few points, so you might want to avoid this by using only one credit card.

Stop Applying For Credit Cards

I know it’s tempting when you’re at the checkout and the cashier offers you a special if you apply for one of their store’s company credit cards. Sometimes they even offer high-end gifts or gift cards as a bonus for signing up. You might think, what’s the harm in filling out a piece of paper for a free gift? 

There is some harm in applying for a credit card though. Every time you apply for a new credit source your score gets hit again. These are referred to as hard inquiries and they affect your credit score negatively. 

There’s A Formula To Paying Off Your Credit Card Balance

Even if you have the money available to pay off your full credit card balance in one payment, you should still split it up. It takes a few months for a paid off balance to show up to companies. If you want your score to improve quicker you need to pay off your balance in parts.

The first month you should pay it down to a low balance, maybe around $100. Try not to use your card very often over the next few weeks. The following month, you can pay off the balance so you no longer have that weight on your shoulders. 

Only Use One Card

Last but not least, the most important thing you need to do to improve your credit score is to use your credit card responsibly. If you have multiple credit cards, limit your usage to only one card. Try to only spend money that you already have to avoid going over budget. Soon enough you will see your credit score increasing.

Using one credit card can resist temptation when shopping. If you know you can only rely on one credit card, you’ll control your spending consciously. Also, it reduces your risk of being scammed, promoting online safety. Take care of your credit score and your finances using one credit card.


It’s possible to make your credit score higher in six months. Self-discipline is the key to attain this goal. Pay your bills before the due date and pay more than the minimum to reduce your balance. It’s best to use only one credit card for utmost spending control.