5 Quick Wins to Boost Your Credit Score This Month

You don't need months to see credit score improvements. These five actionable strategies can start moving your score upward in just 30 days.

1. Pay Down High-Balance Cards

Focus on cards with the highest utilization percentage first. Even paying $100-$200 extra this month can make a noticeable difference if you're close to your limit.

2. Dispute Reporting Errors

Review your credit reports for errors like incorrect late payments, wrong balances, or accounts that aren't yours. Use OriumAI to generate professional dispute letters that cite specific FCRA violations.

3. Become an Authorized User

Ask a family member with excellent credit to add you as an authorized user on their oldest, lowest-utilization card. Their positive history can boost your score within 30-60 days.

4. Request Credit Limit Increases

If you have a good payment history, call your credit card companies and request higher limits. This instantly lowers your overall utilization percentage without changing your spending.

5. Set Up Automatic Payments

Never miss another payment by setting up autopay for at least the minimum payment on all accounts. Payment history is 35% of your score—protect it at all costs.

Track Your Progress

Use OriumAI's credit score forecasting tool to see exactly how many points these changes could add to your score. Our realistic predictions help you prioritize the actions with the biggest impact.