The single biggest fast lever on a personal score is not paying more. It is paying at the right time — before the statement closes, not before the due date.
This checklist walks that through, step by step, with the dates to find and the order to do them in.
What is in it
- Where to find your statement closing date on each card
- The one number to get under before that date, and why
- What to do if you cannot pay the balance down
- What this method will not fix, so you do not waste a month on it
- Realistic movement, stated as a range, with the conditions attached
The form at the bottom of this page sends it to you.
An honest note on what to expect
I am not going to tell you a number of points. Anyone who guarantees you one is either guessing or is going to have a problem with a regulator.
What I will tell you is the mechanism, what conditions make it work, and what makes it not work. The rest depends on your file, and your file is not the same as anyone else’s.
If you want the reasoning behind the checklist rather than just the steps, that is here: How to Boost Your Credit Score in 30 Days.
More free tools
The checklist is one of seventeen. The rest — net 30 vendors, the LLC decision tree, the denial debugger, the credit union seasoning map — are all in the same place, free: