A common question that is asked by many people in debt is “How can I improve my credit score in a short period time?”  While it’s going to be tough, I’m going to give you some great tips on how you can raise your credit score by more than 25 points.  I know 25 points doesn’t sound like a lot but it’s a lot better than where you are today, I promise you that much.

Work with the credit card companies

When it comes with working with credit card companies, you’ll either want to work with a credit card repair service or work on your own.  If you do choose to work on  your own, learn how you can get rid of all the negative marks on your credit report.  You’ll find that working with negative account is a good thing because most of the time you’ll find ways to get rid of them on your credit report.

Use very little of your credit

Look at the accounts you have today.  Do they have high credit limits?  If they do, make sure that you keep your balances low.  You’ll want to look at your total credit limits and make sure that they are well below 30%.  For example, if you have $100,000 in credit limits total, you’ll want balances less than 30%.  Anything higher than this is going to hurt your score.

Just play the game right

This one is a no brainer.  Always make sure that you’re paying your cards off each month.  Even if you’re paying the minimum, you’re going to see a credit increase.  The credit card companies just want your money and as long as you pay them the minimum, they will be happy.  Continue to do this for at least 6 months and you’ll see a nice increase with your credit score.

Improving your credit score takes time.  As long as you pay your bills, get rid of debt and stay focused, your credit score should slowly rise.  Remember, you’re not going to see a 525 score one day and 600 the next.  It won’t work like this.  Instead, have some patience and good things will come.