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Unfortunately, there's not much you can do to improve your credit score short-term. Your credit score is made up of five components. One is called credit usage or the amount of credit you have available versus the amount you've used. Supposing that you have a total credit limit of $10,000 and have used $6000. In this case, you would have a debt-to-credit ratio of 60%, which is much too high. You could pay down some of that debt, which would help your score somewhat. However, if the reason why you have a low credit score is because your credit file contains negative items like a lien, a debt that has gone to collection, a judgment or debt that has been written off, there's not much you can do about that. They will eventually fall out of your credit report but eventually is seven years from the time the negative item was reported. In other words, if you had a debt written off last year, it would be sometime in 2019 before it dropped out of your file. And if you have had a bankruptcy, this would stay in your file for either seven or 10 years, depending on the individual credit-reporting bureau.