A good credit score opens doors — to better mortgage rates, lower car loan interest, and approval for premium credit cards. The good news is that meaningful improvement is achievable within 90 days if you take targeted action.

The most impactful steps involve reducing credit utilisation, ensuring all payments are on time, and disputing any inaccuracies on your credit report.

Your 90-Day Action Plan

• Pay down revolving balances to below 30% utilisation
• Set up automatic payments to avoid missed due dates
• Request a credit limit increase on existing cards
• Dispute errors on your credit report with all three bureaus
• Avoid opening new credit accounts during this period