7 Credit Score Moves That Actually Work (No Gimmicks)

Boost your credit the smart way: utilization, payment history, reporting errors, and more.

What really drives your score

• Payment history and utilization typically matter the most for many scoring models.
• Age of accounts, credit mix, and new credit also play a role.

7 moves that help

• 1) Pay on time (set autopay for minimums).
• 2) Keep utilization low (aim under ~30%, lower is better).
• 3) Pay mid‑cycle if you’re near the limit.
• 4) Dispute reporting errors you can document.
• 5) Ask for a credit limit increase (without increasing spending).
• 6) Avoid opening multiple new accounts quickly.
• 7) Keep old accounts open when possible.

A 30-day plan

• Set autopay today. Pull reports. Lower utilization. Then wait for reporting cycles.
• Small improvements compound as positive history builds.

What to avoid

• Ignore ‘instant boost’ scams that promise a specific score.
• Avoid maxing cards—even if you pay them later.

Next step

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Disclaimer: This article is for informational purposes only and does not constitute financial, tax, or legal advice.