Time to 700
Pick a target score and see a conservative timeline, plus the quick wins that could shorten it.
Not sure? Use the utilization calculator.
Conservative estimate8 moQuick win: up to +30
- Lowering utilization could recover up to ~30 points within 1–2 months.
Get a full plan around this
BuffYourCredit ranks every move by estimated impact and tracks your progress monthly.
Build my free planEducational estimate based on what you enter. Not a credit score, a lending decision or financial advice.