Your credit score is the most important number in your financial life. In 2026, a "Good" score is no longer enough; to get the best mortgage rates, you generally need an "Excellent" score (760+). Here is how to move the needle quickly.
The Fast-Track Strategy
1 Lower Your Credit Utilization
This is the fastest way to see a jump. Utilization is the percentage of your total credit limit that you are using. Aim to keep this **under 10%**. Even if you pay your bill in full every month, a high balance on the statement date can hurt you. Pay your bill *before* the statement closes to report a lower balance.
2 Become an Authorized User
If a family member has a credit card with a long history and a perfect payment record, ask to be added as an "authorized user." You don't even need to use the card; their positive history will be added to your report, often resulting in a 30+ point boost in a single month.
3. Dispute Errors with AI Tools
In 2026, many credit bureaus use automated systems. If you find an error (like a late payment that was actually on time), use the bureau's online portal to file a dispute. By law, they must investigate within 30 days. Removing one incorrect negative mark can skyrocket your score.
4. The "Trended Data" Factor
New scoring models now look at your habits over the last 24 months. Consistently paying more than the minimum payment shows lenders you are a low-risk borrower. This "trend" can help you qualify for a loan even if your total score isn't perfect yet.