It’s taken a year and a half, and with much diligence and effort, I’ve accomplished raising my credit score 150 points. I’ve gone from 506 to 656. It seems as though it’s slowed down a lot over the past 8 months, but not really. It’s increased 70 points since February. I’m hoping to keep up that pace, so that this time next year, it’ll be 720 and I’ll be in a good range to get the best deal on a home loan [my ultimate motivation for an awesome credit score] By having a favorable credit score, it can save tens of thousands during a home loan.