How can I raise my credit score by 20 points fast?

The quickest way to raise your credit is by paying off all your bills on time, every time. Sometimes there may also be errors in your credit report which have caused a decrease in your credit score. Simply disputing those errors can help improve your credit score almost immediately. Paying your bills on time can raise your score fast because they help reduce your credit utilization ratio, which directly impacts your score.

Other ways to improve your credit score include: becoming an authorized user on an existing credit card account, keeping old credit card accounts open, getting a credit builder loan or a secured credit card, and adding rent and other utility bills to your credit report through services like Experian® Boost, etc.