If you have 2 secured cards and a bank loan. How long will it take to go from a 600 fico to 720.?

I know you have to pay on time and keep the balances low. But Im curious can it be done in a few months or does it take years. Also If you have low balance loans with very low balances, will addition secured loans help your credit score?

pay off as soon as possible. keep payments on time and keep balances, on your cards, below 50% max limit. you have good tradelines and a decent score so just keep it up and you should see some results in 6 months. as far as you jumping your score 120 points, can take a couple of years if you manage your loans and check your credit report biannually to make sure everything is correct.

Personal Credit Dealing With A Financial Meltdown

Debt Handling Tips and Advice $4.88 Topics included are credit reports, FICO, budgets, handling debt, deb consolidation, debt reduction with the snowball method, debt counselors, debt collectors, bankruptcy, inflation and interest, car loans, home equity loans, individual voluntary agreements, individual retirement accounts, low interest credit cards, mortgage refinance, secured loans, unsecured loans and student loans….