Having good credit is very important, especially if you're planning on borrowing money soon. Good Credit is essential when applying for a mortgage, car loan, and a personal loan. There are simple things you can do to improve your credit score. We have put together some tips on how to improve your credit fast. Now, you may not get immediate results but these tips can help clean up your credit in as little as one to two months.

Step 1: Pull your credit history and remove negatives that are dragging your score down. Go to NationalCreditReport.com and get a copy of your credit history. Now if you see things on your report that are mistakes or that cannot be verified, challenge them.

Step 2: Pay down high balanced cards, the idea is to have your balances no more than 30% of your available limit. So if you have a $1000 limit, you really don't want to be owning more than $300 on it.

Step 3: If you can't come up with the cash for step 2, try increasing your credit limit to accomplish the same thing. So if you owe a $1000, call the bank and raise your credit limit to $3000.

Now there are things you don't want to do, things that can actually hurt your credit. Do not take out new credit, and do not close unused accounts.

You may also try a credit repair service to help you fix your credit. see below.