If there’s one thing almost everyone wants to know — other than how to find the fountain of youth — it’s how to improve their credit score. And for good reason: Boosting your credit score opens the door to better loans, lower interest rates and greater overall financial confidence.

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The sooner you give your credit score a shot in the arm, the faster you can move forward with your financial goals. Understanding that readers wanted insights on how to improve their credit scores quickly — and, honestly, I did too — I turned to MoneyLion AI, a tool from our sister company, for answers.

Thankfully, the AI offered advice designed to help me quickly and sustainably strengthen my credit score, along with some must-know info about smart credit habits.

I told the AI that while my credit score wasn’t terrible, it wasn’t great — then asked for tips on raising it fast. The AI shared some tried-and-true guidance, starting with paying bills on time. It reminded me that setting up automatic payments or calendar reminders can help ensure I never miss a due date.

Next, it suggested I check my credit reports for errors and dispute any inaccuracies I find. While scouring my reports, I might also come across past-due accounts. It’s in my best interest to bring those current or pay off collections — actions that can have a positive, measurable impact on my score.

“These steps can significantly boost your creditworthiness and improve your financial situation,” the AI said.

But the AI wasn’t content to stop there. It also recommended a resource that could help me build credit more effectively — a credit builder loan.

Using a credit builder loan, I could strengthen or repair my credit by making on-time payments that my lender reported to all three major credit bureaus. These consistent payments demonstrate reliability and help establish a positive payment history — one of the biggest factors in a credit score.

I’d heard that paying down credit card debt could dramatically raise my credit score, but I wasn’t sure if that was fact or financial folklore. So I asked the MoneyLion AI how much of a difference it really makes. The answer? A big one.

“Paying down credit card debt can significantly improve your financial health. Here’s how,” the AI explained, before breaking it down: