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.
Feedback. Feedback. If your credit score is low and there arenât any errors on your report, there are several steps you can take to improve your credit score. But there is no quick fix: improving your score is largely a matter of time (so donât let it go south in the first place!).1  Keep your credit utilization below 25%. 2  Pay down your credit cards to at most 25% of their limit. 3  Your credit utilization for each account is relevant, as well as your overall debt-to-credit ratio.ut there is no quick fix: improving your score is largely a matter of time (so donât let it go south in the first place!). 1  Keep your credit utilization below 25%. 2  Pay down your credit cards to at most 25% of their limit. 3  Your credit utilization for each account is relevant, as well as your overall debt-to-credit ratio.