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.
also consider refinancing. Helpful to 1 out of 1 people. I was trying to do the same thing as you, lower my utliization in hopes of boosting my score before applying for a car loan. A couple of loan officers told me it can take as long as 90 days for the lessened balances to reflect in your credit score. I chose to get a loan at a higher rate now and refinance later once my cards are paid off and I have a half dozen car payments under my belt.