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3 Things You Can do to Improve Your Credit Score in 30 Days

Posted By:  |  September 12, 2012  |  11 Comment(s)

Think of your finances as a lifelong race. Sometimes we feel like we’re running a relay, jumping over hurdles, or running long distances. Improving your credit score can even feel like a marathon–26 long, painful, arduous miles. Maybe it’s time to think of it as a sprint, though. With a few do-it-yourself tasks, it’s possible to improve your credit score in just 30 days.

1) Get a free credit report.

(Yes, it really is free.)

Warm up for the main event by checking your credit report. This report allows you to gather information about your credit status and know exactly where you stand and where to begin your sprint. Checking your credit by obtaining your credit report does NOT hurt your credit. In a sense, gathering this information is like you’re stretching your financial legs and lining up at the starting blocks.

You are entitled to receive a free copy of your credit report once a year from Your report includes data from the three leading credit reporting agencies — Experian, Equifax, and TransUnion. Checking your credit report will alert you to any major errors that can have negative consequences on your credit score.  It will show you exactly where your credit stands, as well as financial habits that need work–both important pieces of information when starting your race to better credit.

2) Get down to the details, and protect your rep!

Now that you’ve got your background information, it’s time to start running. The first leg of your sprint requires some serious energy. Look through your credit report and make a list of all the items worth disputing. This includes all obvious errors and items that are old or questionable. Remember that you can only dispute errors on your report; if a negative item is accurate, it stays. Errors could include:

  • Debts listed more than once
  • Debts you have paid off that show as outstanding
  • Erroneous personal information
  • Closed accounts listed as open
  • Signs of identity theft

Review this information carefully and thoroughly. It’s been reported that a terrifyingly high percentage of credit reports include errors, so it really is vital to check and double-check your reports.

Once you’ve found errors, write letters (yes, letters) to the credit reporting agencies explaining why the item is wrong and provide copies of supporting documentation. The agency that provided your credit report is required by the Fair Credit Reporting Act to investigate and fix any errors on your report, so contact the specific credit reporting company that provided your credit report:

It’s not enough to simply report false information; you have to explain why the information is false. You have to make your case. There are several examples of dispute letters online and from credit repair companies if you need help. Once you submit your dispute, the credit reporting agency and the financial institution reporting the item must investigate the dispute within 30 days. If they can’t prove what’s on your credit report, the credit agencies must immediately remove the item from your report. You can even request that the company send a copy of your dispute to anyone who may have checked your credit report in the previous six months. You’re already on your way to a better credit score!

3) Pay off debt.

The last stretch of your 30-day sprint takes some endurance and planning. Tackle your remaining debt by paying off as much debt as you can. Your credit score is based in part on your debt-to-income ratio, so paying off debts improves this ratio and your score.

Look at your budget and determine how much you can commit each month to paying off your debts. Pay off the debt with the highest interest rates first, even if it’s not your largest debt, because you will save money on interest. As you pay off debts, you can increase your monthly contribution and soon become debt-free. For every bill you pay on time, every old debt you retire, every outstanding debt you settle, and every new account you keep current, your credit score will rise.

We All Need a Little Help

Sometimes, though, every athlete needs a coach to train him and push him farther than he thought possible. To continue with our running metaphor, your credit coach may come in the form of a credit repair company. A credit repair firm can train you to you stay financially healthy and focused, as well as aiding in the credit repair process. These firms continuously monitor your credit report, dispute questionable items, and help craft a budget to pay off debt and build up savings. A credit repair firm can also guard against identity theft by keeping an eye out for suspicious activity.

Not all credit repair companies offer such complete services, so shop around to find a firm that fits your needs. Watch out for the scams or high prices that are so prevalent in the industry. Check out our recommendations for top, trusted credit repair companies or look through our reviews to find a company you trust.

top credit repair companies

Keep Your Eye on the Prize

Checking your credit report, disputing items, and paying debts can improve your credit score in 30 days, but those are only the beginning to achieving a life of good credit and financial stability. Maintaining your credit score is a marathon that last decades. Now that you’ve sprinted to improve your credit score, this is a great time to set some new financial goals. What needs to change about your money habits to keep your credit in good shape or to keep improving? How can you consistently pay bills and stay out of debt? Are there some lifestyle habits that need to change? Stay on top of your finances, pay your bills on time, stick to a budget, and you will find your credit score consistently in a good place. Keeping a good credit score means working hard to finish the sprint and sticking with the marathon. It won’t always be easy and you may feel a little sore, but dedication to this race will earn you the gold medal of a stellar credit score. Start your race with the 30-day plan and see what you can accomplish.

Has a 30-day plan worked for you? We’d love to hear about it!


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  1. Laura Horsey
    February 17th, 2015 at 3:06 pm
    0 people found this review helpful!

    I’m very much in need to pay whatever debts I have and raise my credit score. Thanks for the advice.But I think I need help to keep me motivated.

  2. April
    March 19th, 2013 at 3:00 pm
    4 people found this review helpful!

    I have one judgement on mine that is like 6 years old and a lot of old little stuff. Nothing really current so where do I start?

  3. Joel
    January 23rd, 2013 at 6:38 pm
    0 people found this review helpful!

    I had my credit marred by a collection agency used by health clinic that provided physicals for a place where I sought employment during an off semester while I still attended college. I always had the feeling that the clinic or their collection agency was seeking to be compensated for the visit twice by my employer at the time and myself.

    If I needed or offered credit repair, which I do not, Daniel Webster would be a good place to advertise the fact that someone did and a legitimate business was being operated on that premise.

  4. Greg Z
    December 31st, 2012 at 2:58 pm
    2 people found this review helpful!

    Nick H. makes some good points and is correct. However, beware of #3. Yes, if you pay old debts, they will make your accounts appear as recent delinquency and lower your score. However, settle them ASAP! It is now late 2012, early 2013. The collection companies are done playing Mr. Nice Guy through this recession. They are pursuing you through Small Claims Court and District Courts and obtaining Judgements. They are adding late fees, court and legal costs. Settle yourself for 25-50 cents on a dollar before you pay 3 to 30 times more than you originally owed! You will be able to get new credit immediately through CreditOne or Merrick Bank. Get a car loan through a local credit union or from a dealer with guaranteed financing. Dispute all negative items…many times the companies do not respond to the inquiry and they are removed. Pay new credit and keep the balances between 10% and 30% of the credit line (10% is the best).

    If you delay, you better be ready to file bankruptcy, as otherwise, you will owe more than you will ever be able to repay.

    Your score will go up…it just takes time…but it is well worth it!

  5. Patricia
    December 31st, 2012 at 1:42 am
    1 people found this review helpful!

    Thank you so much, I have looked on line trying to find the right credit card because I want my credit score to be excellent. But I just didn’t know which one to choose. I just traded in my 1998 car because it was giving me a lot of trouble. But I didn’t have a car payment, but I have one now. But I know with the help of God he will bless me to stay focus in paying all of my bills.

  6. Ms. C
    December 2nd, 2012 at 11:27 pm
    2 people found this review helpful!

    Nick H. you stated not to pay old debt that has gone in to collection. How do I handle an old debt that went to Public Record when I went through a divorce and couldn’t pay and still struggling but need this off my record. Please advise.

  7. simple
    November 16th, 2012 at 6:25 am
    2 people found this review helpful!

    These 3 step are simple and very easy to follow. thanks a lot . using these i have one error to fix in my report , due to kohls Charge card. my honest recommendation don’t be greedy to get CC from then relator ( Kohl’s, JCP..) for % discount on shopping, you keep buying and monthly budget get fuzzy

  8. Nick H.
    October 14th, 2012 at 7:53 pm
    0 people found this review helpful!

    1. You do not need to write letters to the CRA’s to initiate a dispute, you can do it online with all three. There are boxes to check for the reason for the dispute, and a very limited amount of character entries for your “explanation”. This is why it is an investigation.
    2. You can dispute more than just errors on your report. For instance, if the statute of limitations has run out on a collection, you can dispute that item to have it removed from your record. If you do not it very well may remain for the allowable 7 yrs.
    3. Pay off current debt. DO NOT pay off old debts that have gone to collections. This will make the accounts current and hurt your credit score.

  9. debra j. r.
    October 6th, 2012 at 2:26 pm
    0 people found this review helpful!

    Great info provided. More info than the repair credit counselor provided. I now understand better how to repair my credit.

  10. debra njagi
    September 20th, 2012 at 6:23 pm
    0 people found this review helpful!

    plain , simple and to the point. good understandable information

  11. Aimee H.
    September 18th, 2012 at 4:30 pm
    1 people found this review helpful!

    This was perfect. I love that there are other options for those who are looking to fix their credit on their own. Great article! As a mortgage broker, this is spot on to help get you qualified for a loan. I’m going to send this article to all of my clients that need a little help to get qualified. :)

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