 TITLE: Can I Raise My Credit Score by 100 Points? CONTENT: How Long Does It Take to Improve Your Credit Score?\n---------------------------------------------------\nThere's no set amount of time for how long it will take to improve your credit score by a certain number of points. There are several factors that go into calculating your credit score—some more influential than others. What you can do to improve these factors will depend on what's in your unique credit history.\nImproving your score is a feat that will take time and require patience and discipline. The sooner you start the process, though, the earlier you'll achieve your goal.\nIf your credit score is low, there are a couple major factors that may influence how long it takes to build your score:\n*   **You're new to credit.** When you're just starting out building credit, it'll take at least six months of using credit to meet the criteria to receive a FICO® Score☉ . As long as you start out on a positive note, developing good credit habits will help you build your credit history and score in the coming months and years.\n*   **You have negative information on your reports.** If you've experienced bankruptcy, foreclosure, repossession or another significant negative credit event, it can take more work to improve your credit score. Establishing positive credit relationships going forward can eventually outweigh the negative, but those items will remain on your credit reports for up to seven or more years, so it may take more time. END