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Boggled5

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Fastest, easiest way to increase credit report score?

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Decrease utilization.  If your cards show heavy use, your score will suffer quite a bit. If you can decrease your balances to where you are using less than 10% of your available credit on the day they report to the bureaus (usually 2-6 days after the due date), you should see it improve within a month. 
Nothing you initiate will show up overnight on your report, except sometimes hard inquiries. You can pay cards down, but you still have to wait for them to report to the bureaus.

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Krissie72

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An alternative to paying cards down is to see if you can get credit limit increases, and decrease your utilization that way. Be careful though--some creditors will do a hard pull. Chase is one of these. 
Some that do soft pulls prior to a CLI are Comenity Bank, American Express, Capital One, and sometimes CIti, although Citi has been known to do hard pulls too.

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