How long for a credit report like this, to increase credit score? (No websites please!)?

Question

I have 1 delinquency, a 30, 60, 90 late payment.

I am working full-time and have been paying back my loans on time for the past 6 months.

How long, if I keep paying back my monthly payments (plus more) on time, will it take for my score to increase?

Answer 1

To find out specifically what you must do to raise your score, you can order your score report from all three national credit bureaus. In addition to your score you'll get your credit report, an indication of how your score ranks nationally and an explanation of how you can boost your standing.

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In order to improve your credit score, it's important to know where you stand currently. Despite all the media attention given to free credit reports you still have to pay to find out your credit score, the three-digit number ranging from 300 to 850 that is the key to your borrowing costs.

Answer 2

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Answer 3

A 30 late, a 60 late, and a 90 late count as 3 delinquencies...not one.

12 consecutive months of no delinquencies will give you a small boost in your credit score.

24 consecutive months of no delinquencies will give you a significant boost in your credit score.

The 30 and 60 lates are not too bad, but the 90 late is killing your score right now. They won't fall off your report for 7 years.

You might be able to get your lates removed sooner, but that would involve me linking to another website that shows you how to do it for free.

Good luck!

Answer 4

Because you were more than 90 days delinquent on  credit cards.  Your FICO score might be a low 595 [which is well below the 750 - 850 FICO score that one should have].   Despite the fact that you have been delinquent paying your bills and your credit score is low, you can raise it in a relatively short period.  Just sending in at least the minimum required on your delinquent credit cards for three months could raise your FICO credit score 20 points.  If you continued to make your payments as agreed for six months, you could raise your FICO credit score by as much as 50 points.  If you continued to pay at least the minimum due on those credit cards for one year, you could raise your FICO credit score by as much as 80 points, from 595 to 675.   Of course, 675 is still short of the 750 to 850 credit score one should strive to have, but given time you would get there.

Note that these are just estimates and one shouldn't assume that his or her credit score would increase by the amounts indicated.

Remember that the three factors that affect your FICO credit score the most are (1) paying all bills on time; (2) not accumulating too much debt; and (3) time.  Even if you have a very low FICO credit score today, you can have a very high credit score in a year or two if you start today paying all bills on time, paying down debt and using credit wisely.

Hope this answers your question