How quickly you can improve your DTI varies significantly. If you can quickly boost your income or have cash reserves that you can use to pay off debt, you could change your DTI in a day.Realistically, if you’re saving for a home, you can’t afford to put all your savings toward paying off existing debt, so you’ll want to take a slow, steady approach over weeks or months. Bear in mind it’ll probably take at least a month or two for the change to be reflected in your credit history and a billing cycle or two for a significant change to register on your credit score.