Raised my score 160 points in six months from 570 to 730 Had 4 cards with total debt of 1900. Paid that all of at once with stimulus check. Set up each card to auto pay one monthly bill. Accepted a Citibank Double cash back card with a limit of 4,400 which raised my available credit to 6400 (meaning I was much less likely to go over the recommended credit utilization. Disputed two debts I did not know where an issue and they were resolved in a matter of days. Set up my apt. rent for online payment which is tracked by Experian. Yeah, the score hit from getting the new card sucked, but my score is now higher than before that drop in only one month. Patience, and knowing that credit card money isn't real money, will help a lot!
