Having Good Credit can improve your life in a lot of ways. However many Americans live with poor or terrible credit. Nearly a third of Americans have a credit score under 600–meaning they have bad credit.

But the good news is, if you know where to start, you can boost your credit easily and quickly. Here are two ways you can improve your credit over the coming months:

Fix Mistakes on your Credit

About 1 in 4 Americans have significant mistakes on their credit.

So what can you do?

First, make sure you monitor your credit closely. You are entitled to a free credit report each year from each of the three major reporting agencies (Equifax, Experian and TransUnion). That means you could be checking on your credit once every four months for FREE.

Then, submit a written dispute of any mistakes to the credit agencies in question. They can and will investigate and get the harmful mistakes off your credit.

Minimize Your Credit Utilization

One of the the biggest things you can do is keep your spending well under your credit limit.

Nerd Wallet explains:

Your credit utilization — that is, how much of your credit limit you use — has a big impact on your score.

Bruce McClary, spokesman for the National Foundation for Credit Counseling, says it’s best to keep balances to 30% of your credit limits or less. Both overall and per-card utilization counts. 

One way to reduce your credit utilization–even without spending less–is to ask for an increase to your credit limit–just make sure you don’t use it. Staying away from your credit limit looks VERY good on your credit score.