Jessica Sautter has a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Written by Jessica Sautter
Content Writer Jessica Sautter

Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around auto insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Reviewed by Natasha McLachlan
Content Writer Natasha McLachlan

UPDATED: Oct 1, 2020

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The time it takes to improve your credit score will depend on a number of factors starting with what is holding down your score and the resources you have to make changes.

Time Require to Improve Credit Score

Generally speaking, if you have the resources to remove all the negative information that is holding down your credit score, it will still take time to make it rise because you have to put positive information in its place.

Your credit score is essentially a record of how you pay off loans, bills, car insurance premium and the like. The higher your credit score, the more likely you are to receive new loans such as to purchase vehicles and homes. If you want to raise your credit score, you’ll need to get a credit report that lists all of your information and take action from there.

Remove Outdated or Mistaken Information

Quite often, credit reports will have outdated information about loans or credit cards that you have already paid off or actual mistakes that should never have been reported. Here, you can write to the credit report companies and report the information that is inaccurate. Generally speaking, it will take 30 days to fully remove and perhaps longer if they need more verification.

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Pay Off Outstanding Debt

If you have any debt that is still not paid off, you will need to do so for your credit score to rise. Try to take care of the larger debt first and then the smaller ones as your credit score will rise faster as a result. If the results of paying off your debt are reported by the companies, then your credit score should rise quickly. However, if you do not see any changes after 30 to 60 days, report the payment of the debt to the credit report companies.

Take Out New Loans and Pay Them Off Promptly

Your credit score will still be low even with all the negative information removed if you have no positive information to replace it. So, you can start by taking out a new credit card and making regular payments on it so that it will be reflected in your credit report. Generally speaking, taking out a new credit card that you use to pay for an item should be paid off over the course of three to six months to demonstrate that you can make monthly payments.

7 Financial Benefits of Having a Good Credit Score

Building Credit Takes Time

Keep in mind that it will take up to six months, perhaps up to a year for the positive information to really sink in. This is because building up good credit takes time because you must demonstrate that you can pay your bills on a monthly basis. Over the course of a year, it is possible to substantially increase your credit rating to the point where obtaining loans for vehicles and real estate property becomes easier.

One thing to remember is that you should not try to remove a debt immediately if you are making payments. All too often, people want to remove all the negative information including debts that they are currently paying off. Instead, keep the current loans that you are paying and in time they will become positives on your credit report.