When it comes to your credit score, you may not fully understand how it comes to be at a certain figure, but you do need to understand how to improve it. Unfortunately, not many of us know how to improve our credit score quickly. The following will help you to get you credit score higher in a short amount of time.

First of all, get your credit report from three major credit bureaus. Each credit report may have different information that is being reported and your job is to check them for errors. Check your personal information, such as your name, date of birth, and social security number. Next, look for items that should not be on there. For example, if you had previously paid a debt and is on there as unpaid, you will need to take care of this by sending a letter to the credit bureau with proof that the account was paid in full. Errors account for many people having lower scores than they should.

The next thing to do is to pay down your debts. If you have accumulated a large amount of debt, it will lower your credit score. To accomplish this, take your highest amount of debt, for example the credit card you have the highest balance on, and pay it down as quickly as possible. This does not mean paying it off. If you have a $1,000 limit on this card and you owe $850, put extra on the balance each month. Once you have gotten the balance down to the half way mark of $500, you