How to Rebuild Your Credit in 30 Days

Step 1: Check Your Report for Errors

Go to AnnualCreditReport.com and download your credit reports for free. Dispute any incorrect accounts, late payments, or duplicates.

Step 2: Pay Down Credit Cards Strategically

Target cards with high utilization (over 30%). Focus on reducing the balance rather than closing the card entirely.

Step 3: Set Up Automatic Payments

Missing a payment can crush your score. Set up autopay for at least minimum balances to avoid future damage.

Step 4: Use a Credit-Building Tool

Try services like our Credit Rebuild Estimator or partners like Self or Kikoff to report on-time payments and build history.