How to raise credit score 100 points in 3 months?

Is it even possible to raise my credit score 100 points in just three months?! Ugh, it feels like such a huge leap. I’m already getting stressed out just thinking about digging through my credit report, trying to find errors and dispute them – talk about a headache! And paying down debt? Oof. That’s definitely the biggest obstacle, like a giant boulder in my path. But, I’m trying to stay positive, gotta stay focused on the goal!

I’ve heard about becoming an authorized user on someone else’s card, but honestly? It feels a little… shady? Even though I know it’s a legit strategy, it feels like I’m taking a shortcut, you know? I’d rather earn it the hard way, even if it takes longer. So, I’m really buckling down on paying all my bills on time. I’ve set a million reminders on my phone – seriously, it’s buzzing all the time! I even messed up last month and forgot a payment on my stupid gas bill – so annoying! But this time, I’m determined to be more responsible. Fingers crossed this whole financial discipline thing actually works. I’m so anxious to see my score go up, even a little bit would be a win. Like, my friend Sarah raised hers by almost 50 points in a few months just by being super diligent about payments! That gives me hope, right? It’s got to be doable. I’m really hoping to see some real progress soon because… well, a girl needs a new car! (Just kidding… mostly.) ????