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How to Rebuild Your Credit Score Quickly

The first step in rebuilding your credit score is understanding the factors that influence it. Payment history, amounts owed, length of credit history, new credit, and types of credit used are the main components of your score¹. By focusing on these areas, you can make significant improvements in a short time.

1. **Timely Payments:** Ensuring all your bills are paid on time is the most effective way to boost your score. Setting up automatic payments or reminders can help you stay on track.

2. **Reduce Debt:** Lowering your credit card balances can have an immediate impact on your score. Aim to keep your credit utilization below 30% of your total credit limit².

3. **Dispute Errors:** Reviewing your credit report for inaccuracies and disputing any errors can lead to a quick score increase. You are entitled to a free credit report from each of the three major credit bureaus annually³.

4. **Avoid New Credit Applications:** Each new credit application can temporarily lower your score. Be selective about when and where you apply for new credit.