I believe that is very difficult to answer, as there are so many variables. Every profile is different. Are you going into this with new credit or damaged credit, and if so, what are the circumstances? Overall, on-time payments are a good 30-35% of the score, so that can be very difficult.
I can say that in my case, after going through some very difficult times about two years, paying everything on-time since then, I brought my scores up over 200 points, however that does include bringing Util down at the same time.
Bottom line, I would say that making all on-time payments over time will certainly help, however it is just hard to know how much without knowing where you are starting from.
Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Sept 2024: EX8: 847; EQ8: 850; TU8: 848 -- Middle Mortgage Score: 821
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
