It's subject to what is on your report now, history, etc. There are a ton of variables that some in to play with how the FICO score is calculated. Do you mind sharing some of your details?
Utilization of revolving credit plays a huge part along with payment history. These 2 things account for 65% of your score (30% and 35%) respectively.
Soooo, many factors here. Depends on what's in your file, whether you are letting stuff age off or taking affirmative action to try to get things removed, the type of action you take, who you are dealing with, etc.
If you'd like to post some more details about what's in your file I'm sure folks will chime in with suggestions.
+1 to both of the above. "So proud of them"
I have a Fico of 639 How long would it take to reach my goal of 700? Ty for any feedback
If you play your cards right, you can definitley break 700 in 7.5 years or less.