Unfortunately, there is no overnight cure for bad credit. Improving poor credit requires at least several months of positive credit activity and overcoming negative information. The process could take a few years if a foreclosure or bankruptcy damaged your credit.nnIt takes at least one month to remove an inaccurate negative entry from your credit report. You must file a dispute with the credit bureaus or creditor, and those investigations take 30 days to complete. Sometimes, you'll have to submit additional documentation, which can prolong the investigation.nnOne of the fastest ways to raise your credit score is by paying off high balances for revolving credit accounts, such as credit card debt. But that only helps if high credit utilization is what's causing your low credit score.nnEven if that is the reason, paying off revolving credit debt isn't recorded in your report until those creditors submit the information, typically monthly. However, paying off high credit balances will improve your credit score significantly if you don't have other negative information like delinquent payments.nnAnother fast way to potentially increase your credit score is with Experian Boost. The one-of-a-kind service scans your bank account(s) for eligible payments to add to your payment history. Examples include rent payments, utility bills, and even some streaming service subscriptions. Per Experian, people adding eligible payments using Boost add an average of 13 points to their FICO score.