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Boost your Credit Score in Months!

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You're so much more than just a number to us. Still, a lot of folks -- from your lender to your landlord to your insurer to your employer -- define your character by the three-digit score that reflects what's in your credit file. To them, whether or not to do business with you comes down to where you rank on the following scale:

• 750 and up: You're golden and will get the best interest rates on loans.
• 710-750: Though you're not quite a VIP, qualifying for competitive offers is no problem.
• 650-710: Approval is easy, but platinum status isn't likely.
• 580-650: You qualify for credit at subpar rates and so-so terms.
• 580 and below: Brace for denial and/or loan-shark rates.

Source: John Ulzheimer, President, Credit.com Educational Services. Based on FICO scoring range 300-850. A higher score indicates lower credit risk.

Of course, what's on the inside really does matter most of the time, but in matters of credit, you really can't escape the scrutiny. 

Nine ways to improve your credit score
If you're on the cusp of decent creditworthiness, take heed: You can improve your lot in as few as three to six months (or even more quickly, if you discover that some of the errors being reported aren't really your own). If your score suffers deeper scars, credit triage is about a 12-month process, though your actions will begin to positively affect your score in 30 to 60 days.

Here are nine tactics to improve your credit score ASAP.