Obviously there is very little you can do about your payment history because, after all, it is history.
However, you could make a dramatic change in your debt-to-credit ratio, which might boost your credit score by as many as 30 to 40 points.
First, you could pay down some of your debt.
How can I raise my credit score 100 points in 30 days?
Here’s how to improve your credit score in 30 days:
- Pay down revolving balances to less than 30%
- Remove recent late payments.
- Remove a collection account.
- Raise your credit limits.
- Charge small amounts to inactive credit card.
- Get credit.
How can I raise my credit score 20 points in 30 days?
How to Increase Your Credit Score by 20 Points
- Get Copies of Your Report. Visit AnnualCreditReport.com to obtain copies of your credit report.
- Never Be Late With Payments. Pay every single bill on time.
- Pay Down Your Debt. Reduce the amount you owe.
- Keep Old Accounts Open.
- Know Your Limits.
- Avoid Non-Official Credit Sites.
How can I raise my credit score 30 points?
How to Raise a Credit Score by 30 Points in 30 Days
- Reduce Your Outstanding Debt. Paying down balances increases your available credit limits, which can add a few extra points to your credit score in a hurry.
- Pay on Time.
- Get Your Credit Report.
- Scan for Errors.
- Hold Off on New Purchases.
How can I raise my credit score 40 points in 30 days?
How to Raise Your Credit Score by 40 Points
- Pay on Time. The largest contributor to your credit score, at 35 percent, is your history of payments.
- Clean Your Credit Report. Request your credit report and clean up mistakes.
- Reduce Your Debt. Pay extra on your debt.
- Don’t Cancel Accounts. Maintain your current debt profile.
- Monitor Your Credit.