How Long Does It Take to Rebuild a Credit Score?

If you have negative information on your credit report, such as late payments, a public record item (e.g., bankruptcy) or too many inquiries, you should pay your bills and wait. Time is your ally in improving your credit scores. There is no quick fix for bad credit scores.

The length of time it takes to rebuild your credit history after a negative change depends on the reasons behind the change. Most negative changes in credit scores are due to the addition of a negative element to your credit report, such as a delinquency or collection account. These new elements will continue to affect your credit scores until they reach a certain age.

  • Delinquencies remain on your credit report for seven years.

  • Most public record items remain on your credit report for seven years, although some bankruptcies may remain for 10 years.

  • Inquiries remain on your report for two years.

Rebuilding your credit and improving your credit scores takes time; there are shortcuts. Start improving your credit by checking your credit report data and reviewing the individual factors that are affecting your credit scores. Then, learn more about how to build credit to improve your scores. And if you need help with credit mistakes from your past, you can learn more about credit repair and how to fix your credit.

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