 TITLE: Can You Raise Your Credit Score by 200 Points? CONTENT: How Long Does It Take to Improve Your Credit Score?\n---------------------------------------------------\nYou can always make improvements in your credit scores, but there's no guaranteed timeline for gaining a set number of points. Your timeline for improvement can be longer or shorter based on your credit habits, and how they work in combination with one another.\nA substantial gain in points will require some time and patience, but the sooner you start implementing positive credit habits, the sooner you'll hit your goal. You can start building a higher credit score right away by reducing your credit card balances, managing your credit card and loan accounts responsibly, and monitoring your credit file.\nIt's also important to avoid adding negative items to your credit file. Filing bankruptcy, for instance, is one of the most impactful items to your credit reports, with the potential to cost you hundreds of points. Other severely damaging items on your credit report include collection accounts and vehicle repossession. END