How to Raise Your Credit Score by 100 Points in 90 Days
A good credit score opens the door to better loan rates, credit card approvals, and financial opportunities. But what if your score isn’t where you want it to be? The good news: improving your credit score doesn’t have to take years. With the right strategy, you can raise your credit score by 100 points in as little as 90 days.
Understand What Impacts Your Credit Score
Before you can improve your credit, it’s important to understand what affects it. Your credit score is based on several key factors:
- Payment History (35%) — Always pay on time.
- Credit Utilization (30%) — Keep balances low relative to your limits.
- Length of Credit History (15%) — The longer, the better.
- Credit Mix (10%) — A variety of credit types helps.
- New Credit Inquiries (10%) — Too many hard inquiries can hurt your score.
Check the official FICO credit score breakdown here.
Best Credit Cards For Rebuilding Credit 2025
Actionable Tips to Boost Your Credit Score Fast
1. Pay Off Small Balances
Focus on paying down your credit card balances. Keeping your utilization under 30% — or ideally 10% — can have a dramatic positive effect.
2. Request Credit Line Increases
Ask your credit card issuer for a credit limit increase. A higher limit can lower your utilization rate even if your spending stays the same.
3. Dispute Errors on Your Credit Report
Mistakes happen. Get a free copy of your credit report at AnnualCreditReport.com and dispute any inaccuracies.
4. Become an Authorized User
If a family member has a good credit history, ask to be added as an authorized user on their credit card. Their positive history can help boost your score.
5. Make Multiple Payments Each Month
Instead of paying once a month, make smaller payments every two weeks. This keeps your balances lower throughout the month and helps improve your utilization ratio.
What to Avoid While Improving Your Credit
- Don’t open new credit accounts unless necessary.
- Don’t close old credit cards. Age of credit is important.
- Don’t miss payments. Even one late payment can cause major damage.
Conclusion
Raising your credit score by 100 points in just 90 days is possible if you stay consistent and make smart moves. Focus on reducing debt, disputing errors, and maintaining good habits, and you’ll see your score rise before you know it.
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