Read my blog


How Long Does it Take to Improve My Credit Score?

One of the most common questions we hear from our members is how long does it take to improve credit score? Understandably. Here’s the quick and short answer, with aggressive action you can frequently see significant credit restoration progress in as little as 90 days.


It won’t happen overnight. And a more appropriate answer is to use an analogy. Hang with me here, when you have a bad credit score it’s metaphorically a bit like having a substance abuse problem. The exact amount of time it will take to fix your credit, will depend on the severity of the problem.


Obviously, for someone with a late payment, maybe even a charge off account, and a collection account. They’re going to have a much shorter path to improve credit, just like a young college student who drinks a little too often.


In comparison to an individual that has gone through bankruptcy, has judgements, repossessions, tax liens, etc., on his credit report. His time frame is going to be much longer, much the same as a guy who has smoked crack for two decades will have a much longer road to recovery.


We hope your less-than-perfect credit isn’t a result of substance abuse. And we don’t use this example to make light of addiction. It’s simply for illustrative purposes, and to be as clear about how long it really will take to improve credit, as possible.


The Good News


Here’s the good news, though you’ve probably heard it as bad news, we’re talking about the Fair Credit Reporting Act (FCRA). This federal legislation is what dictates and determines how long a negative credit report item can remain on your credit file.


In most cases, it’s a maximum of seven long, excruciating, and expensive years. Most people, don’t catch that nuance, did you? Seven years is the maximum amount of time.


In other words, there is no minimum amount of time any negative item must remain on your credit report. And there ain’t no good reason to live with bad credit for the maximum seven years.


That’s like serving the maximum sentence in prison. Come on man, even O.J. got out early. However, unlike with prison, your credit report isn’t lucky enough to have a parole hearing, nor does your good behavior have any bearing.


How Can I Improve My Credit Score?


There’s a number of ways, and big picture, we want to build credit by using our current and any new credit accounts responsibly. Making on-time monthly payments by itself, will help to build a trail of positive payment history.


At the same time, we need to take action to clean up credit report dings, blemishes, and remove the negative items from your credit reports. Because these negative marks such as: late payments, collections, charge offs, judgements, liens, etc. are the cause of a low credit score. 


These negative items are the real credit score killers. You see, your credit score is a lot like your Grade Point Average (GPA) in glory school days bygone. It doesn’t matter if you’re acing all your classes, if you’re failing The Art of Walking (a real college course by the way) because this negative mark is going to ruin your overall GPA.


This is also true of your credit score. And why it’s of such paramount importance to remove these credit report dings, and long before the seven-year maximum sentence. If O.J. can get early release, we’re confident you can too.


Evidence of this, can be found in 2016 because over 9 million negative items were removed from consumer’s credit reports. This includes late payments, collections, charge offs, tax liens, judgements, repossessions, etc., and heck hundreds of thousands of bankruptcy items were even removed too.


Get a FREE credit consultation with a certified FICO professional by calling toll-free 1-877-418-7596.