A credit score isn’t fixed, so with the right habits and a little consistency, your score can improve faster than you think.

The credit score that matters the most is the score that your potential lender is using to determine your creditworthiness.

Anyone can apply for a large personal loan and could qualify if they meet the requirements, which vary from lender to lender.

Now that the government is back in business, your score should rebound as you pay off the debt. It takes time, so be patient.

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Jessica Gibson is a content update editor and writer for Investopedia. She has over 10 years of experience in digital publishing and three years of experience covering financial topics like insurance, ...

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