Raise Your Credit Score in 90 Days

A better credit score means lower interest rates on loans and better terms on everything from cars to rent. The good news is that scores improve steadily with consistent habits.

Pay every bill on time, keep credit card balances under 30% of your limit, and avoid opening new accounts in a short window. Dispute any errors on your reports.

Check your score monthly rather than obsessing. Most damage takes 60 to 90 days to reverse with on-time payments, so give the process time to work.