How long will it take to improve a 658 credit score?

Also, I'm wondering if I will have any problems renting an apartment with this score in the next month?
Is this a good or bad credit score? I have gotten into lots of financial problems in the past, but I am now on the right track. Is this a good credit score and how long will it take to improve this?


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Sat, Jun 13, 2009

Improve Credit Score

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Tags: Bad Credit, Credit Score, Improve Credit, Renting An Apartment

7 Responses to “How long will it take to improve a 658 credit score?”

  1. Bill Says:

    Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service – freecreditreport.sinfree.net

  2. mphsblue Says:

    658 is a 'fair' credit score. It doesn't take much to get it to 'good' (680), One of the quickest ways to get your score up is to look at the balances of your credit cards and pay them down to below 35% of you credit limit. For example, if you have a $1,000 credit limit, pay it down to $349.00. This takes a little over a month to be reflected in your credit score. Same with other derogs that may be hurting you if you successfully dispute them. Just DO NOT dispute them online. That would be a mistake. You would be surprised how easy some things come off of your credit. If it doesn't work the first time, keep trying. The FCRA, the act that regulates the credit bureaus, allows you to dispute the same item as many times as you want. They may or may not be able to substantiate the debt, late payment, whatever in 30 days. There are other tricks, but I won't go into them as they are too lengthy.
    Good luck!!

  3. jle4044 Says:

    I doubt you'll have any problems. Landlords are scrutinizing you like a lender would, their just seeing that you aren't a complete and total flake. Many, many people have credit problems in their past, it's what you've shown recently that counts. It's also what counts with the FICO score as well. Maintain good payment behavior and responsible credit use and within two years from when your "black marks" happened, they won't have much impact on your score anymore.

    BTW, my scores are 689, 675 and 660 between the three agencies. I just qualified for a mortgage and financing is supposedly tough to get right now! Of course, there are other factors involved, but that's just to give you a feel for it.

  4. jack Says:

    Here is your simple answer, what ever your credit limit is on a card,you only want to use 40% of it,when you go over that amt. then your score go's down…Your score is not a good score, a good score is considered at 720 or above..Now in regards to renting a apartment,i am a landlord so this is great advise,be up front,tell them your credit score,take your pay stubs with you so they can see your income,take your bills that show you pay on time,get a letter of recommendation from your currant landlord,these little things help a lot. P.s. pay on time,get the amt owed down on each card to that 40% and your score will rise..
    Good Luck

  5. stan c Says:

    Your credit score changes about every 12 months. You can also request your free credit reports from annualcreditreport.com or call Trans Union toll free @ 1-877-322-8228 for all 3 free reports. You just need to more points to get to good. If you have no credit card at this time, but have $500 in a savings account, convert it into a secured credit card. Most banks should be able to set it up for you. Make sure they belong to the credit bureau and use it for gas and small items and pay the balance the following month. You should get at least 2 points with 90 days.

  6. Help Is Here! Says:

    It is a fair score, but not stellar. Do you have any credit now? If not, apply for a credit card and use it wisely to improve your score. Get a secured card if you cannot qualify for a card yet.

  7. Sandra Says:

    685 is not a bad score at all. Continue making payments on time, and even reduce the number of credit cards you have (assuming you have several). If you owe any money, pay it off. It should not take you long to hit the 700 mark.


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