How long does it take to go from 400 to 500?

Typically 3-6 months with consistent effort, though results vary based on what's causing your low score.

Can I get any loans with a 400 credit score?

Very limited options exist. Focus on secured credit cards and credit builder loans to rebuild first.

Dispute errors, get current on accounts, and add positive credit through secured cards or authorized user status.

A credit score of 400 represents serious credit challenges. Learn the first steps to rebuilding and reaching 500.

Get Current on All Accounts (+20-40 points): Stop the bleeding by bringing all past-due accounts current. Payment history is 35% of your score.
Dispute Errors (+10-30 points): Review your credit reports for errors. Up to 25% of reports contain mistakes that hurt scores.
Secured Credit Card (+10-20 points): Open a secured credit card with a small deposit. Use it for small purchases and pay in full each month.
Become an Authorized User (+20-40 points): Ask a family member with excellent credit to add you as an authorized user on their oldest, lowest-utilization card.

450 — First 50-point gain: unlocks Some secured credit cards, Prepaid debit options
480 — Approaching 500: unlocks More secured card options, Some credit builder loans
500 — Goal reached!: unlocks FHA loans (with 10% down), More credit rebuilding options

How long does it take to go from 400 to 500?: Typically 3-6 months with consistent effort, though results vary based on what's causing your low score.
Can I get any loans with a 400 credit score?: Very limited options exist. Focus on secured credit cards and credit builder loans to rebuild first.
What's the fastest way to improve from 400?: Dispute errors, get current on accounts, and add positive credit through secured cards or authorized user status.

Consumers are protected by several federal laws when dealing with credit reporting issues related to how to raise your credit score from 400 to 500:

Fair Credit Reporting Act (FCRA) — 15 U.S.C. §1681: Requires credit bureaus to maintain accurate information and investigate disputes within 30 days. Consumers can dispute inaccurate items directly with bureaus or furnishers.
Fair Debt Collection Practices Act (FDCPA) — 15 U.S.C. §1692: Prohibits abusive, deceptive, and unfair debt collection practices. Collectors must validate debts upon request.
Credit Repair Organizations Act (CROA) — 15 U.S.C. §1679: Regulates credit repair companies and protects consumers from deceptive practices.

Reviewed by Hemminger Law Firm, Consumer Rights Attorneys | Last reviewed: January 1, 2026