It’s a simple fact that to get the best credit card, you need a high credit rating. Generally, you build your credit rating over years and years of responsible bill payments, credit use, and financial management. But what if you just need to give your score a little boost? Can you do it quickly?

Of course you can! They recalculate credit scores on a monthly basis, so with a few small changes, you can give yourself a fairly significant boost. It’s impossible to say how significant, since credit scores vary — but it can make a difference.

Boost Your Score

Most ways to quickly raise your credit rating involve your credit card. Although your loans, mortgage, etc. obviously contribute to your credit score, your credit card makes the biggest difference, and is also the easiest to change quickly. That said, here are the best credit card practices to increase your credit rating.

1. Increase the ratio of available credit.

There are two ways to accomplish this. Creditors like to see that you have a lot of credit available, but they definitely don’t want to see you maxing out your cards. Therefore, call your credit card companies and ask them to raise your limit. That might sound silly, but most credit cards are more than willing to do that a few times a year for a good customer.

Having done that, pay down as much of your credit card balance as you can afford. Right away, you’ll have significantly increased the gap between the credit you’re using and the credit available to you.

2. Order your credit report.

You’re entitled to a free copy of your credit report every year from each of the major credit reporting agencies, and you should take advantage of it. It’s essential that you know what’s on that report. Often you’ll find mistakes and errors that are lowering your score.

3. Negotiate

Remember: the best credit card companies just want to recover their money, not ruin your life. If you have a lot of negative marks on a credit card, consider calling the company, explaining the situation that led to your making late payments or missing payments, and asking them to remove the negatives in exchange for full or partial repayment of the balance.

The negative marks aren’t doing the credit cards any good, and they want their money back, so many are more than willing to negotiate.

These three simple steps are the best credit card practices to quickly and easily raise your credit score.

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