Your credit score is a quick indicator of your creditworthiness.

When your credit score drops, your ability to qualify for loans declines. In addition, a low credit score affects your ability to rent a house or have utilities turned on in a home or apartment.

Scores range between 300 and 850, making a credit score of 700 or above considered good. A score of more than 800 is excellent, but most scores fall in the 600 to 750 range.

There are plenty of situations in which you might want to repair your credit score fast. This might leave you asking, “How do I fix my credit score in six months?” Luckily, you have some options.

How to fix your credit score in 6 months

When you start to repair your credit score, you must first find out what’s on your credit report. While your credit report contains information on all of your credit cards and your timeliness in paying bills, it also can have erroneous information.

To be sure, it falls to you to report any errors. You must dispute these errors with the credit bureaus. After they’ve removed any errors, your credit score should improve as long as your credit is good otherwise.

Manage your credit utilization

Utilizing your credit cards properly also plays a significant factor in determining your credit score. Your credit utilization ratio compares your credit card debt to your available credit.

For example, carrying a ratio of 70 percent means that you have a greater risk of not paying off your debt.

While you want to keep your credit utilization ratio under 30 percent, zero percent utilization could hurt your credit score. Most financial experts recommend you keep a ratio of 10 percent to 30 percent.

Don’t close your old cards

Closing credit cards you’ve paid off can lower your credit score. Closing a card causes your available credit to drop, reducing your borrowing power.

You can pay off other card balances to reduce the effect of closing the card on your credit utilization, which can influence your score.

Another way to increase your available credit is to ask your creditors to raise the limits on cards you already have. To be sure, raising the limits on your credit cards doesn’t mean you should go out and spend more. This is just a tactic to improve your credit score quickly.

Settle old debts

You should work with creditors to pay any old debts. This includes delinquent debt that your creditors have sold to a collection agency. Not only can settling old debt get rid of the collection calls, but it also can improve your credit score.

You also can attempt to negotiate with creditors, offering to pay off old debt in return for reporting that the account has been paid. Be sure to get the agreement in writing before making payments.

Pay your bills on time

Once you have started your credit-repair journey, make sure you pay your bills on time. Over time, this can establish you as a reliable card user who pays your debts.

Because bad credit takes seven years to fall off your credit report, you should get started early to get back on the path to better overall credit.


Repairing your credit score quickly is simple using a few effective steps, including making sure everything on your credit report is correct, utilizing your credit wisely and paying your bills on time to establish a consistent payment record.

Before you know it, you should have better credit, allowing you to buy a house or car more easily.