Rise credit score


How long does it take to improve credit score fast?

Your credit score is an important measure of your financial responsibility and understanding how it works can help you make wise decisions for your future.

A credit score is a three-digit number that represents the likelihood that someone will repay their debts according to their agreed upon terms. The higher the number, the better they are at repaying debt. Credit scores range from 300-850, where 700 or above is considered "good" and anything below 640 may be considered "poor".

One way to improve your credit score over time is by paying off any outstanding balances on loans or lines of credit as well as paying all bills on time each month. Another way to build up your rating over time is by taking out new loans and making payments.

Raising your score depends on your starting point

Raising your score depends on your starting point. We have found that clients with low scores can raise their credit score to a high-end of 620 or higher if they work hard and follow our advice, but most clients will not be able to reach the top tier range in just one year.

  • Payment History
  • Credit Utlization
  • Length of credit history
  • Credit Mix
  • New Credit

Payment history

Payment history is the most important aspect of a credit score. This is because it accounts for 35% of your total credit score. In other words, if you have good payment history and then start making late payments on your bills, this will impact your credit score drastically.

Credit utilization:

Credit utilization is the percentage of your available credit that you are using. This percentage can be calculated by dividing your total balance by your maximum limit. For example, if you have a $5,000 max limit and a $2,500 balance on all of your cards combined, then 50% would be used.

Length of credit history:

It's been said that the length of your credit history is one of the most important factors in determining your credit score. But how long do you need to have a good credit score? Some sources say seven years, some say ten, and others suggest 15. As we'll see below, it really depends on whom you ask!


Credit mix

The credit mix is the percentage of your credit that comes from different types of loans. It's important to have a diverse mix because it can help you get better rates on both new and existing debt, as well as provide some flexibility if an emergency arises.

New credit:

You may not know this but every time you apply for credit, the application is reviewed by a third party company called a "credit bureau." The credit bureau assigns your application a score that ranges from 0-1200. This number is known as your FICO Score and it determines whether or not you are approved for certain types of loans.

Credit Repair in my Area make it easy for people looking for the best local credit repair services Company. We are available in 51 states of United States and committed to offer you the top credit repair service. Whether you live in Stockton, California or San Jose or any other state of United States, we help you from your location and you don't have to take much burden.


Just call on (888) 804-0104 and Improve your credit score fast!