My Credit Score Jumped 101 Points in 45 Days
Estimated read time: 6 min
Win: +101 points in 45 days by paying down mid-cycle and disputing one error.
Step 1: Pull Your Reports
Grab free copies of your credit reports and note any late payments, duplicate accounts, or incorrect balances.
Step 2: Fix Utilization
Aim to report < 9% utilization. Make a small mid-cycle payment before the statement closes so the lower balance gets reported.
Step 3: Dispute Errors
If you find inaccuracies, submit a written dispute with documentation.
Download the Dispute Letter Template →
Timeline I Followed
- Day 1: Pull reports, list errors
- Day 3: Send disputes (certified mail or portal)
- Day 14–21: Mid-cycle paydown before statement cut
- Day 30–45: New score reported with changes
Copy This Plan: Pull reports → Pay down mid-cycle → Dispute errors → Keep balances < 9%.
Let’s Talk 💬
We’d love to hear your thoughts. Have you tried this? Got tips of your own? Drop a comment below!