A 30-day plan to raise your credit score by 100 points 1. Your credit report can be obtained by contacting your credit bureau. 2. Negative accounts should be identified. 3. Credit bureaus should be contacted to dispute negative items. 4. You should dispute your credit inquiry. 5. Reduce the balance on your credit cards. 6. Paying collections is never a good idea. 7. Authorize yourself to use the site by having someone do so