First Digital sends regular monthly reports to all three major credit bureaus (Explained): Equifax, Experian, and TransUnion. This means that you can quickly start improving your credit, as long as the reports show your responsible cardholder behavior. This means providing all your monthly payments in full and on time and keeping a low credit utilization ratio. Keeping your spending below 30% of your credit limit, never maxing out your card, and never running late on payments will show you know how to handle finances. Doing so will help you improve your credit in just several months.