Though many “credit repair” companies may claim so, the truth is: there is no overnight solution to improving your credit score. Calculating credit scores is a complicated process, and even the fastest measures may take months to reflect. Start by checking your credit report for errors. The next step is to pay down your credit balances to lower your credit utilization ratio. Settle accounts that are in collections and make your delinquent accounts current. With these changes, you can see significant improvement in your credit score in 30-90 days. Learn More.