Kenny Johnson University

Improving your credit score doesn’t have to take years. With the right strategy, discipline, and financial awareness, you can see meaningful progress in as little as six months. A stronger credit score can help you qualify for better interest rates, secure approvals faster, and gain overall financial confidence. Below are ten practical and proven ways to boost your credit score within half a year—steps that everyday borrowers can realistically follow. 1. Pay Every Bill on Time—No Exceptions Payment history makes up the largest portion of your credit score. Even one late payment can set you back significantly. Set up automatic payments or reminders to ensure all bills—credit cards, utilities, loans—are paid on or before their due dates. Consistency over six months can noticeably improve your score. 2. Lower Your Credit Utilization Ratio Your credit utilization ratio is the amount of credit you’re using compared to your total available credit. Aim to keep this below 30%, and ideally unde...