Your credit score determines what you can access so it’s pretty important to know how to raise your credit score in 30 days. Your score determines how you live today and how you will in the future. The lack of a good credit score will prevent you from accessing financial tools to make your life better.

For example, if you want to take out a business loan, you need to have a good credit score for the lender to trust you. Even if you want a simple thing like a credit card, you need to have a good credit score. Basically, your need for a higher credit score can’t be overstated. 

What can you do to raise your credit score? What about if you can raise your score in around 30 days? Well, here are some tips and tricks that you can use to ensure that you raise your credit score in just a month.

photo credit:

Pay Your Bills On Time

One thing you want to always do with your debts when it comes to your credit score is to pay your debts on time. If you also take into account that making timely payments to your debts accounts for 35% of your FICO Score, you should pay up.

That is the highest factor in your credit score and creditors rely on that for an assurance that you’ll pay when they lend you. No one is willing to lend you money if you have a history of not being able to pay your debts on time.

It builds trust with the creditors if you’re able to make payments in a timely manner.

Pay Your Own Debt

To see a boost in your credit score in just 30 days, you need to be able to pay your own debt. Most people today work on their debts to pay other debts. That can be detrimental to your score in the end.

This where your credit utilization rate comes into play. How do you use the credit that is available to you? Do you just keep on recycling your debt with other debts? This, for your credit score, has a 30% score in your score.

You need to be able to pay your debts on your own without taking up other debts to pay up your other debts. If you have a monthly income, set an amount that goes to pay your credit every month.

Dispute Inaccurate Information

There are people who are in terrible debt that they never actually used. Mistakes happen and you have to be open to the idea that it can happen to your credit as well. If you accept that you will have an open eye when reviewing your credit reports.

After you realize a mistake was made when it comes to your credit, quickly make a dispute about the debts through the proper channels. Never let it go just because it is a small mistake for a small amount. Remember that credit comes with interest and there’s no small amount when your final debt has been calculated.

Also, inquire about the hidden or undisclosed fees that your credit may be carrying before committing.

Limit New Credit Requests

Your credit score suffers by the number of hard inquiries that are done in your credit file. These hard inquiries are done when you apply for new credit. And they can affect your score for up to 2 years.

To ensure that hard inquiries aren’t done in your file, don’t apply for credit over and over again. New credit alerts the potential lender that you may be taking up too much credit and you won’t be able to pay for them in the end.

A new credit check amounts to up to 10% of your score. 


Make Outstanding Payments

It’s not all about making payments on time when it comes to your score. If you have any outstanding debt, ensure that you have them paid for your score to go any higher. That outstanding debt may be the one factor that has been denting your score.

In the next 30 days, ensure that all your outstanding debt is cleared so that your debtor can take your record out of the credit bureaus.


Raising your credit score in 30 days is quite doable, contrary to most people’s opinions. Using these few tricks here, you can build your credit score and have the opportunity to take advantage of the credit tools out there.