If your credit score is in the dumps, one of the fastest ways to get it out is by paying your credit balances down to at least 20%. This will immediately help raise your credit score because now your usage has been decreased.
So for example, say you have a $1000 balance on your credit card. If you want to boost your score fast, find a way to get it down to at least $200. That way your usage is at 20%.
