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In three months her credit score went up 200 points. There are two things that we really have a lot of control over when it comes to our credit scores. One is credit utilization on our credit cards. Our two is our statement dates for those credit cards. So if you're paying attention to your statement dates and your credit utilization, your score will likely increase and it can do so very quickly. With credit utilization, if you have any cards that are at or close to 100% utilization, you want to get those down. Credit utilization makes up 30% of our credit score. And then our statement dates for our credit cards are the date that the card balances are reported to the credit bureau. So you always want to make sure that your balance is at its lowest on the statement date. This is going to help increase your credit score. Just doing this one thing will help increase your credit score. Sometimes this is called a closing date on your statement or other times it will give a date range. If it gives a date range, the second date in that range is the statement date. Our credit card statement dates are usually three to five days after the due date. So what I do is I go in on the due date, I make the payment and then I don't spend anything on the card again until after the statement has closed.