When you have a 400 credit score, there’s almost nowhere to go but up. The only question is, how high can you go?
In Francisco R.’s case, the certified credit counselor he connected with on our platform helped him establish a new tradeline. His counselor also disputed some older late payments and a collection account. His 400 credit score shot up to 695 in only 4 months! That increase put him only 5 points away from his goal of a 700 credit score!
How quickly can you see a significant improvement in your credit score?
Francisco’s result is not typical; the average CredEvolv customer sees a 53-point increase in 3 to 5 months. But a 295-point increase from a 400 credit score in such a short period of time shows what’s possible, even when you’re starting with essentially no credit score at all.
If you’re in a similar boat and don’t know where to begin, check out our blog about how to build and keep a strong credit profile. Better yet, consider connecting with a certified, nonprofit credit counselor on the CredEvolv platform.
Even if you’re starting from scratch, letting CredEvolv help you lift your 400 credit score the right way can really set you up for success. That goes for the short term and over the long haul. It’s a journey that can take many twists and turns. But by entering into it with knowledge and help, you’re investing in your future financial health.
Remember to start small, be consistent, and follow the advice of an expert. Your certified credit coach is trained to help you manage your finances, create a budget, and develop a personalized plan to put you on the right track and keep you there. Use this expertise to your benefit before you try to improve your 400 credit score yourself.
Who knows? Maybe your 400 credit score will see the same meteoric rise as Francisco’s did!
Read more credit success stories here.