How to Raise Your Credit Score in Less Than 30 Days

How to Raise Your Credit Score in Less Than 30 Days


Improving your credit score can seem like a daunting task. However, with the right strategies and a disciplined approach, it's possible to see significant improvements in a short amount of time. In this blog, we'll explore effective ways to boost your credit score in less than 30 days.

What is a Credit Score and Why Does it Matter?

Your credit score is a numerical representation of your creditworthiness, which lenders use to evaluate your eligibility for loans, credit cards, and other financial products. A high credit score can save you thousands of dollars in interest over the lifetime of a loan and make it easier to qualify for credit with favorable terms.

Key Factors Affecting Your Credit Score

  1. Payment History (35%): Your record of on-time payments.
  2. Credit Utilization (30%): How much of your available credit you're using.
  3. Age of Credit Accounts (15%): The average age of your open credit lines.
  4. Credit Mix (10%): The variety of credit accounts you have, such as credit cards, mortgages, and installment loans.
  5. New Credit Inquiries (10%): The number of recent requests for your credit report.

Strategies to Improve Your Credit Score Quickly

Regular Payments

Paying your bills on time is crucial for improving your credit score. Payment history is the most significant factor, accounting for 35% of your FICO score. Set up automatic payments or due-date alerts to ensure you never miss a deadline. Paying more than the minimum can also lower your credit utilization, contributing to a better score.

Diversifying Credit Usage

Having a mix of credit types, like installment loans and credit cards, can improve your score. However, this won't change your overall credit utilization across all credit lines. You can limit credit usage across multiple cards by designating certain cards for specific types of transactions, like groceries or gas.

Requesting Credit Limit Increases

If you've been a responsible credit user, consider asking for a credit limit increase. This can improve your credit utilization ratio, provided you don't increase your spending. Most credit card companies allow you to request an increase online or over the phone. They'll usually ask for updated income information and may perform a hard credit inquiry.

Paying Down Credit Cards

Credit limit increases are one way to quickly increase your credit score through a better utilization ratio. However, there is another obvious way to get a better utilization ratio and that's by paying down your credit card balances. If you don't have any spare cash on hand you can refinance your credit card balances through a different type of debt, such as a personal loan. Although the debt is not gone, it will at least take the pressure off your revolving lines quickly and should help your score move quick.

Common Questions

Is a 70% Credit Utilization Bad?

Yes, a high credit utilization ratio of 70% is considered detrimental to your credit score. Aim to keep your ratio below 30%.

Is 20% Credit Utilization Too High?

While not as bad as 70%, a 20% credit utilization ratio is still higher than the recommended 10% for optimal credit score improvement.

Is it possible to raise My Credit Score in 30 Days?

Yes it's very possible to raise your score in 30 days. The number of points you can raise your credit score in 30 days varies depending on your current score and specific credit history, as well as what actionable steps you can take within 30 days. Whether it's paying down balances, opening a new account, or getting a limit increase. However, taking the steps outlined in this blog can result in noticeable improvements.

Why Ava is the Solution to Build Your Credit Fast

Ava offers a revolutionary approach to credit improvement, combining financial flexibility with strategic credit-building techniques. Here's why Ava is a game-changer:

Financial Flexibility:

Unlike traditional secured cards, Ava doesn't tie up your funds. With secured cards, you'd need to lock away a significant amount, like $2,500, to achieve a similar credit score impact. With Ava, you can use your funds freely, without compromising on credit-building.

Optimized Utilization with Ava Card:

The Ava card is designed to target a credit utilization ratio of less than 1%, a figure that's sure to impress credit bureaus. Considering that credit utilization makes up 30% of credit score factors, this strategy is highly effective.

Ava Loan with On-time Payment Benefits:

With the Ava Loan, you can set aside up to $30 per month towards your Savings Builder Account. Every on-time payment can increase your credit score, especially since on-time payments account for 35% of credit score factors. After 12 months of payments, you get every cent back with zero interest or fees.

No Interest or Hidden Fees:

You get the entire Ava platform for one price, no hidden fees, and no interest on both of their products. This transparency allows you to build credit predictably and quickly.

Reports to All Bureaus:

Ava promptly reports payments to all three major credit bureaus, ensuring your on-time payments positively impact your credit score.

By addressing four of the five major factors that credit bureaus consider in determining scores, Ava provides a comprehensive solution for those looking to boost their credit scores in a short amount of time.


Improving your credit score is a marathon, not a sprint. However, with focused effort, the right strategies, and tools like Ava, you can see significant improvements in less than 30 days. Start by paying your bills on time, reducing your credit utilization, and keeping old accounts open. With Ava's products designed to enhance your credit-building journey, you'll be well on your way to a higher credit score.

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