How long does it take to get 750 credit score?

Quick Answer

It typically takes a minimum of 1-2 years of responsible credit management to reach a credit score of 750, but it can take longer depending on your starting score and credit history. The higher your starting score, the less time it will take to reach 750.

What is a good credit score?

Credit scores range from 300 to 850. In general:

  • 800-850 is considered exceptional
  • 740-799 is very good
  • 670-739 is good
  • 580-669 is fair
  • Below 580 is considered poor

A credit score of 750 or higher is generally considered excellent and will qualify you for the best interest rates and terms on loans and credit cards. However, requirements vary by lender.

What affects your credit score?

The most important factors that affect your credit score include:

  • Payment history – Whether you pay your bills on time. This makes up 35% of your credit score.
  • Credit utilization – The amount you owe compared to your total available credit. It should be 30% or lower. This makes up 30% of your score.
  • Credit history length – The longer your credit history, the better. Makes up 15% of your score.
  • Credit mix – Having different types of credit like credit cards and loans. This is 10% of your score.
  • New credit applications – Opening many new credit accounts in a short period can lower your score temporarily. 10% of your score.

Focusing on these key factors is the fastest way to improve your credit. Pay all your bills on time, keep balances low, allow your credit history to age, and apply for new credit only when needed.

How long does it take to get from a poor credit score to 750?

If you have a poor credit score below 580, it can take around 3-5 years to increase it to 750. This requires diligently building new positive payment history and keeping credit card balances very low. Negative information like collections or bankruptcies can stay on your report for up to 7 years and will drag down your score.

Some tips if starting from a poor score:

  • Get current on any past due accounts and continue paying all bills on time.
  • Pay down balances to below 30% of the credit limit.
  • Avoid applying for new credit initially until your score starts to improve.
  • Consider contacting creditors to request goodwill deletions of negative items.
  • Become an authorized user on someone else’s credit account in good standing.
  • Monitor your credit reports and dispute any errors with the credit bureaus.

With consistent good financial habits over time, your score can steadily climb into the good credit range and eventually reach 750.

How long to get from fair credit to 750 score?

With a fair credit score between 580-669, you can realistically reach 750 in about 2-4 years. Since your credit foundation is already established, you can focus on the key areas that need improvement:

  • Aim for 100% on-time payments. Set up autopay if needed.
  • Get credit utilization below 30% by paying down balances.
  • Avoid applying for new credit for 6-12 months to let score rebound.
  • Have credit accounts open at least 2-4 years before applying for more.
  • Become an authorized user on a credit account in good standing.
  • Limit credit inquiries by only applying when your score is in good shape.

With a fair score, establishing a consistent history of on-time payments and lowering balances can boost your score significantly in 2 years. Allowing time for your credit history to age longer will help as well. 750 is achievable within 4 years by continuing responsible habits.

How long to get from good credit to 750?

If your credit score already falls in the good range between 670-739, you could reach 750 in about 1-2 years. Some tips for maximizing your improvement:

  • Keep your utilization very low, under 10% on each card.
  • Continue paying all bills on time, including utilities and cell phone.
  • Hold off on new credit applications for 6 months to avoid inquiries.
  • Pay down balances rather than moving debt around via balance transfers.
  • Review reports frequently and dispute inaccurate negative information.
  • Become an authorized user on an aged account if possible.

The higher your starting score, the less room for improvement you have. But optimizing utilization, and letting your history age longer can get you into the 750 range within 1-2 years if you already have good established credit.

How long to improve from very good credit to 750?

If your credit score is already in the very good range of 740-799, you may be able to reach 750 in just 6-12 months. Here are some final tips:

  • Get credit utilization on each card below 10%.
  • Do not apply for any new credit during this period.
  • Pay down balances rather than transferring between cards.
  • Continue your perfect payment history.
  • Hold off on large purchases that would affect your debt-to-credit ratio.
  • Review reports for errors and dispute inaccurate items.

At this stage your credit habits are likely already responsible, so just a bit of fine tuning could bump you into the 750 range relatively quickly. Limiting hard inquiries and having low utilization will help.

Tips to increase your credit score faster

Here are some additional ways to potentially improve your credit score more quickly on the road to 750:

  • Pay down balances aggressively – Get balances well below 30% of your credit limit, with lower being better.
  • Become an authorized user – Get added as an authorized user on a credit account in good standing to benefit from the history.
  • Limit credit applications – Each hard inquiry can drop your score, so avoid applying for multiple accounts in a short timeframe.
  • Ask for credit limit increases – A higher credit limit with the same balance equals lower utilization which helps your score.
  • Dispute reporting errors – Correcting inaccurate negative items can provide a quick boost.
  • Sign up for credit monitoring – Use a service to monitor your reports and alert you to any changes that could impact your score.

While it takes time to build a strong 750+ credit score, utilizing these tips can accelerate the process. Be patient, stick to responsible habits, and monitor your progress.

Maintaining excellent credit at 750 and above

Once you’ve reached 750, consistency is key to maintaining it:

  • Always pay all bills on time – set up autopay if needed.
  • Keep utilization very low, under 10% on each card.
  • Monitor your reports frequently for errors or suspicious activity.
  • Only apply for new credit when absolutely needed.
  • Have credit cards open at least 5+ years before getting new ones.
  • Hold off on large purchases that would spike your balances.
  • Aim to have a mix of credit types – mortgage, credit cards, auto loan, etc.

An excellent 750+ score takes diligence to achieve, but becomes much easier to maintain once established. Good long-term financial habits are key.

Be aware that major life events like job loss, illness, divorce, or bankruptcy can negatively impact your credit at any point. Try to minimize credit impacts if encountering major hardship, and recover responsibly.


How long it takes to reach an excellent 750 credit score depends heavily on your starting point. While it’s a marathon, not a sprint, following responsible credit management practices can get you there in 1-5 years time through consistent effort:

  • If starting from poor credit, it may take around 3-5 years.
  • With fair credit expect it to take around 2-4 years.
  • If you have good credit already, 750 is 1-2 years away.
  • And with very good credit, 6-12 months is often sufficient.

Improving 100 points or more takes patience and perseverance. But putting diligent effort into building your credit history while minimizing score-lowering actions can rapidly boost your score over time.

Keep your credit utilization low, pay all bills on time, limit credit applications, monitor your reports, and let your history age. Maintain these habits long-term once you reach 750 to keep your excellent credit intact. With commitment to responsible credit management, a 750 score is within your reach.

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