If you are looking to lift your credit score, you would not be alone. If you’re income is sufficient, and you are not making any major purchases or looking for a job, months or years can go by without your credit score being an issue.

With that being said, your credit can become an issue very quickly. So how can you lift your credit score? There are actually quite a number of effective methods.

The three major credit reporting bureaus are required by law to give you a copy once a year, and a quick visit to AnnualCreditReport.com will allow you to secure those copies. Once you have them, review them and see if you can identify any errors. Believe it or not, credit bureaus make mistakes.  If you find any errors, you can dispute the error with whichever bureau made it. Now, here’s that list of ways to quickly improve your credit.

Contact Your Creditors, And Play Let’s Make A Deal.

Unpaid creditors recognize that, after a certain period of time, most of the debts on their books are unlikely to be paid in full.  If you offer to pay the remaining balance in exchange for their agreement to erase the debt, in many cases, they will jump at the chance. The creditor then has the option of reporting the account as “paid as agreed,” and might remove it entirely.

Ask For A “Good Will Adjustment.”

This is a good idea if you have a fairly good payment history with a particular credit card or other creditor. Write them a letter or email and ask to have the deficiencies removed from your credit report. Remember, these card companies in particular do not want to lose your business, so they will be responsive if they feel they can be.

Build A Credit History If You Are Lacking One

Consumers who simply use debit cards and cash will eventually discover they are lacking in credit history. The result means you will have a low credit score even if you have never carried any debt.

An easy way to start building credit history, you can apply for a credit card.  Just make sure that whatever you put on the card is paid off by the end of the month in full. Your credit score should rise as soon as the bureaus have a payment history to evaluate.  There is also the option of opening a secured credit card.  You can read more about those here.

Become An Authorized User On Someone Else’s Cards

If you have a family member or close friend with good money habits, you can ask one of them for permission to become an authorized user of one of their cards. This is a quick way to build a better payment history.  They, of course, will be on the hook for your credit purchases if you don’t pay them off yourself. So you need to be sure you can make the payments.

Try To Raise Your Card Limit

If you have been bumping up against your credit limit, contact your card issuers, and ask them to raise it. They might just say yes.

Lower Your Credit Utilization Rate

Your credit utilization rate is the ratio of your outstanding debt to your overall credit limit.  This rate is reported to the bureaus, and is factored into the calculation of your credit score. The lower this rate is, the better.  So reducing your outstanding credit (and/or raising your limits) will help raise your credit scores.

There are other effective methods to raise your credit scores, but these are the most basic and obvious ones to pursue. A bit of patience will be required, however, because it can take a couple of months to see changes. The earlier you start, though, the sooner your scores will improve.