How to Get a 720 Credit Score in 6 Months

You can improve your credit score significantly in just six months, but it takes a little work. Here are the steps you need to take to get a 720 credit score in six months.

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Check your credit report for errors

The first step is to order your credit report from all three credit bureaus — Experian, Equifax and TransUnion. Once you have your reports, comb through them carefully and look for any errors. If you spot any inaccuracies, dispute them with the credit bureau immediately.

Pay your bills on time

One of the biggest factors in your credit score is whether you pay your bills on time. Make sure you pay all of your bills, including credit cards, utilities, rent, and student loans, on time and in full every month. You can set up automatic payments to make sure you never miss a due date.

Pay off your debt

Debt is one of the biggest factors in your credit score, so it’s important to get it under control. The first step is to figure out how much you owe and to whom. You can get a free copy of your credit report from each of the three major credit bureaus once a year at, or you can access your report more frequently by signing up for a service like Credit Karma.

Once you know what you owe, make a plan to pay it off as quickly as possible. If you can swing it, paying off your debt in full is the best option, but if not, try to at least make more than the minimum payments each month. And remember, paying on time is one of the biggest factors in your credit score, so be sure to set up automatic payments or reminders so you don’t miss a payment.

Use a credit monitoring service

A good credit monitoring service will help you keep track of your credit score and report any changes. This can be a valuable tool in helping you raise your credit score. Look for a credit monitoring service that offers features like:

-A free trial period
-Access to your credit score and report
-Alerts when your credit score changes

There are many different credit monitoring services available, so be sure to shop around and find one that fits your needs.

Get a secured credit card

A secured credit card is one of the easiest ways to start building credit. With a secured card, you provide a deposit that acts as your credit limit. This deposit is usually a few hundred dollars, and it’s refundable if you close your account and pay off your balance.

You can use your secured card like a regular credit card, and as long as you make your payments on time and keep your balance low, you’ll start to see your credit score improve. Just be sure to shop around for the best secured cards — some have high annual fees and low limits, which can hurt your credit score instead of help it.

If you need help getting a secured credit card, consider using a credit-builder loan. With a credit-builder loan, you make small monthly payments that go into a savings account. After you’ve made all of your payments, you get access to the money in the account — which you can use to help build your credit history.

Become an authorized user on someone else’s credit card

The best way to get a 720 credit score in 6 months is to become an authorized user on someone else’s credit card. This will help you build up your credit history and improve your credit score. You can also try to get a secured credit card, which is a type of credit card that is backed by a deposit.

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