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Not that long ago my credit score was about 600 and here's what I did step by step to fix it fast and Some of these tips may help you too. So here are some of the categories they look at and let's break each of these down So the majority categories payment history and how you can get 100% in this is paying everything by the due day at least a minimum amount Next is amounts own so say you have a $10,000 credit limit if you Bought a thousand then your credit limit would have 90% left so trying to pay off payments in full and not have a high credit Usually utilization will help 15% is length of your credit history So this is when you opened up your first account and how long that count has been open for so that's why I never closed the first credit card Account I open to keep my length of credit history high the new credit is how many inquiries you are getting in the last 12 to 18 months and if you're opening new lines of credit and credit mix is a variety of credit types on your report Some examples can include mortgages auto loans and credit card lines So here's a step-by-step first I would get a copy of your credit report check for any errors dispute those and pay anything that's past due Especially the high interest credit accounts Then I would give the bank a call to ask for them to increase my credit limit and that can decrease your credit utilization Then I would pay balances on time and keep credit utilization low and then leave all order accounts open to increase that credit timeline