You may think that increasing your credit score is a long laborious process that can take years. That couldn’t be further from the truth. There are certain things you can start doing today to hike up your credit score in no time. The #1 thing you can do is pay down at least 80% on the credit cards you owe. That will immediately increase your score.

That’s because with credit cards one of the main factors is usage. If your usage is too high, it will keep your score hanging low even if you do pay on time every month.