How Long Does It Take to Get a 700 Credit Score?

How Long Does It Take to Get a 700 Credit Score?

Whether you’re looking to buy your first home, rent an apartment, or secure a loan for a small business, a good credit score is essential. But just how long does it take to get a 700 credit score? The answer is not as straightforward as you may think. Many factors come into play, from your credit history to your repayment habits. In this blog post, we will break down the steps you can take to reach a 700 credit score and provide insights on how long it may take.

1. Understand Your Credit Report

To improve your credit score, you must first understand what factors are affecting it. Start by pulling a copy of your credit report from one of the major credit bureaus – Equifax, TransUnion, or Experian.

Check for any errors or inconsistencies, such as accounts that you didn’t open or debts that you’ve already paid off. Dispute any inaccuracies as soon as possible. You’re entitled to one free credit report from each of the three bureaus every year.

2. Pay Your Bills on Time

Your payment history is one of the most important factors in determining your credit score. Late payments, defaults, and delinquencies can significantly impact your score. Make it a priority to pay your bills on time, every time. Set up automatic payments, if possible, to avoid forgetting or missing due dates. If you’re struggling with debt, consider reaching out to a credit counselor or a financial advisor.

3. Keep Your Credit Utilization Low

Your credit utilization ratio measures how much of your available credit you’re using. Ideally, you should aim to keep this ratio below 30%. For example, if you have a credit card with a limit of $5,000, you should try to keep your balance below $1,500. High credit utilization can signal to lenders that you’re relying too heavily on credit, which can be a red flag. To keep your utilization low, consider paying off more than the minimum balance, avoiding multiple credit applications, and increasing your credit limit.

4. Build a Diverse Credit Portfolio

A diversified credit portfolio can demonstrate to lenders that you’re capable of handling different types of credit. This could include a mix of installment loans (such as a car loan or personal loan) and revolving credit (such as a credit card or home equity line of credit). Building a diverse credit history can take time, so it’s important to start early and be strategic about your credit applications.

5. Be Patient and Persistent

Finally, it’s essential to remember that building good credit takes time and effort. There’s no magic formula or overnight solution. Depending on your starting point, it can take anywhere from a few months to several years to reach a 700 credit score. However, by following the steps outlined above, you’ll be on your way to a better credit score and financial stability.


In conclusion, getting a 700 credit score requires a combination of discipline, strategy, and patience. By regularly monitoring your credit report, paying your bills on time, keeping your credit utilization low, building a diverse credit portfolio, and being persistent, you can improve your credit score and increase your financial opportunities. Remember that credit scores are not fixed numbers and can change over time, so it’s important to stay committed to maintaining good credit habits.