Your credit score can make a world of difference when it comes to life events such as getting a car loan, qualifying for a mortgage loan, renting an apartment, or being chosen for a job opening. Here are a few tips for improving your credit score quickly.

Check for inaccuracies: Sometimes it’s just plain wrong.

Pay any delinquencies: you’re behind on payments, it’s bringing you down.

Pay on time: now and future payments

Get credit card balances down: quit riding so close to the limit, it’s throwing your ratio all off

Use – but don’t overuse – your credit cards:  You need credit. You don’t need bad credit.

Get a credit card: your low score could be due to lack of credit.