Refunds. When we receive a refund of tax weâve already paid, itâs a lot like discovering unexpected money in the bank. Everyone likes to see either a windowed envelope containing the stateâs check arrive in the mail -- or perhaps an electronic entry in a bank statement that the refund has already been deposited safely.
How long it takes to improve a credit score will depend, in part, on how actively you are trying to improve your score. It also depends on the cause(s) of the credit problem. Because of these and other variables, it's hard to put an exact time frame on it.ow long it takes to improve a credit score will depend, in part, on how actively you are trying to improve your score. It also depends on the cause(s) of the credit problem. Because of these and other variables, it's hard to put an exact time frame on it.
There are several ways to improve your debt-to-credit ratio, which is probably the fastest way to improve your credit score. Here are a few to try: 1  Ask for a credit increase. 2  This improves your debt-to-credit ratio without paying an extra dime on your outstanding debt. 3  Move credit card balances.he more often you make payments on time, the better your score will be. So start by checking your credit report for past due accounts. If you have several past due accounts, it's time to triage. Accounts that are 90 days late will have a bigger negative impact on your score than those that are 60 or 30 days late.