My score was 520. Now 710. Here’s the 6-month plan.
Step 1: Get Reports
AnnualCreditReport.com – Fix errors.
Step 2: Pay On Time (35% of score)
Set auto-pay.
Step 3: Lower Utilization (30%)
Keep under 10%.
Step 4: Secured Card
Discover It Secured – $200 deposit.
6-Month Results
- Month 1: 550
- Month 3: 620
- Month 6: 710
Alex Rivera