It’s amazing what fewer collections and lower credit card balances can do to someone’s 532 credit score – and how quickly they can do it!
After connecting with a nonprofit credit counselor on our platform, John F. saw a collection account come off his credit report. Combined with his dedication to paying down his credit cards, this helped John’s 532 credit score rise to 636 in just two months!

What are collections on a credit report?
A collections account happens if you fall behind on your payments. The lender or creditor can decide to transfer your account to a collection agency. They can also choose to sell it to a debt buyer.
This can occur anytime from the date you begin missing payments or not paying the full minimum payment to a few months after you become delinquent. Lenders and creditors will usually send you letters or call you regarding the debt before it is sent to a collection agency.
How long does it take to raise your 532 credit score 100 points?
John’s result is not typical; the average CredEvolv customer sees a 53-point increase in 3 to 5 months. But a 104-point credit score increase in such a short period of time shows what’s possible when a consumer and a counselor craft a plan together and execute it.
In this case, John followed the counselor’s advice on how to tackle his credit card debt. Meanwhile, the counselor worked to delete the collections account that was also weighing down John’s score.
As the saying goes, teamwork makes the dream work! And by “dream,” we mean achieving John’s ultimate goal of a 700 credit score!
Read more credit success stories here.