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  Boosting your credit score quickly requires strategic actions. Here are some simple ways to see fast improvements: 1. Pay Down Credit Card Balances Aim to keep your credit utilization below 30% , and ideally under 10% for the best impact. If possible, make multiple payments per month to lower your balance before the statement closing date. 2. Use the 15/3 Rule The 15/3 rule suggests making two payments on your credit card: One 15 days before the due date. Another 3 days before the due date. This reduces your reported balance and improves your credit utilization. 3. Check and Dispute Credit Report Errors Obtain your free credit report from AnnualCreditReport.com . Look for inaccuracies (late payments, incorrect balances, accounts that aren’t yours) and dispute them with the credit bureaus. 4. Increase Your Credit Limits Contact your credit card issuer to request a credit limit increase —this lowers your utilization ratio. Ensure your spending doesn’t in...