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How to increase your credit score fast. These are the best ways to improve your credit score even as a beginner to credit cards. Your credit score increases slowly unless you take into account these factors to increase your credit score fast. The first factor that affects your credit score is on time payment history. This takes into how many times you've paid off your credit card on time. The more months you pay off your credit card bill, the faster your credit score will increase. To really improve your credit score, factor 2 takes into account utilization. Credit card companies want to see you use less of your card, making you less of a risk. If you use only 1% to 6% of your card a month, this part of your credit score will increase. The third factor to get a high credit score of 800 is length of credit history. This is a simple factor that just requires you to own a credit card for a long time. You want to never cancel your first card because that's the oldest card you have. The fourth factor for increasing credit is credit mix. You want a healthy mix of credit cards, mortgages and car loans. Don't go overboard, just get new cards or mortgages when the time comes. The last factor is new credit. This factor will decrease the more hard checks and new credit you open in a short period of time. If you want a new card, just get one every year. Over time, this factor will go back up. That's all you need to know to increase your credit score to 800. It will take a bit of time but just using your card once a month, paying the bill on time, and being consistent will increase your score to over 800.