What does your profile look like? What is holding your scores down? While it is not unheard of to see nice gains over that short period of time it really will depend on your current report. If you have things that you need do do goodwill letters on, or stuff that has to be paid off it can take a cycle or two or more to look better so I think 3 months may be pushing it, IMHO.
My TU FICO 8 rose 55 pts in a day once. My most recent 60D late crossed the 24 month threshold. Like was stated before it depends completely on what is suppressing your scores. Some things will net large immediate gains, others are a slow, steady process.
On TU Fico 8 I received 50 points for a single 30D that fell off that was 6 years old at the time.
My TU4 MTG score went from 759 to 803, up 44 points.
As noted above it depends on your current file. Removal of baddies or a significant decrease in CC UTL and possibly # of cards reporting (depending on profile) for MTG scores can cause a nice shift.
@Anonymous. Ideally, you want to optimize your credit report before applying for mortgage refinance.
Optimized for the older scoring models:
At most 2 out of 10; 20% of revolving accounts reporting a balance.
At minimum 4 out of 10; 40% of revolving accounts reporting a balance.
You want to be under the number of revolving accounts reporting a balance threshold; 50% and ~20-25%
Seek AZEO.
Optimized utilization is
Aggregate 1-9%
Individual 1-29 %
EX2 + 3 Bureau scores and reports for $1 at Experian or CreditCheckTotal (part of Experian). Cancel in 7 days or less to avoid the reoccurring charge.
TU4 WyHy quarterly score. Not sure on membership requirement. Maybe hard pull TU?
EQ5 Get a savings account with DCU. Soft pull EQ to be a member. Free monthly score.
You can also obtain your 3 bureau mortgage scores at FICO Advanced . Cancel plan after you obtain your scores and reports to avoid re-occurring monthly charge.
I would recommend reading the below from ABCD2199
The Truth about Credit Card Utilization
My 11 Rules to Credit Rebuilding
FICO Score: What to pay down first?
From Birdman7
General Scoring Primer and Version 8 Master Thread rev.5.17.20