Q&A Queen asked:
OK let’s say this is day one of my mission to improve my credit score. That involves getting my bills paid on time. How long before my credit score reflects my payment status and improves?
OK let’s say this is day one of my mission to improve my credit score. That involves getting my bills paid on time. How long before my credit score reflects my payment status and improves?
Thanks to all who answer. 
Thank you, ifetter and Nobody. That’s what I was hoping. Now a secondary question if you please. If I know derogatory accounts stay on teh books for 7 years. But is that 7 years from date opened or from time of closing?
Jaqueline Powers
Major improvement will take 6-12 months.
Full recovery could take up to 5-7 years if it’s a big enough deal. Normally it’s around 6-12 months.
ABout a year.
you will notice a significant improvement once you can go 12 consecutive months without a delinquent loan.
do not allow anyone to run your credit during that period. that means no more loan applications.
keep credit card balances as low as you so you have as much unused credit as possible.
1 just paying bills on time from now on without clearing up the bad credit (will not help) you must clear up past credit and gain more new
and good credit this is what will help and 2 the misconception that
bad credit only last 7 yrs is false the creditor can relist your bad credit
for as long as they wish that means if you owe someone $500 it can
haunt you for the rest of your life or as long as the company keeps listing it.
As others have said, it will take quite some time to see a significant bump in your score, but you can reach another range of good to excellent within that time frame as well. Most information takes about 30-60 days to even reach your actual credit report.
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