Two main factors will influence how rapidly you can expect FICO score increases. The first is priior late payments. These hit hard, and go away slowly, so if you have prior lates that are hurting your score, you can only expect about one point again a month as they age and you have no further lates. The bigger one, and the one that can give you immediate and high increases, is getting your %util down. First is to get it below 50%. As you approach 10%, you will see a big increase. Just sitting on what you now have wont do much unless you pay your debt down. Credit scores remember prior lates for 7 years, but dont remember prior % util at all.