The short answer
Many people see their score start to move within a few months of paying on time and lowering their card balances. Bigger turnarounds usually take 6 to 12 months of steady good habits. Everyone's situation is different, but progress often starts faster than expected.
How long negative marks last
Most negative items — late payments, collections, repossessions — can stay on your report for up to 7 years. Bankruptcy can stay for up to 10. But their effect on your score fades over time, especially as you add new positive history.
What speeds it up
- ✔ Disputing errors that don't belong on your report
- ✔ Paying every bill on time, every month
- ✔ Keeping card balances low compared to your limits
- ✔ Adding accounts that report positive payment history
What slows it down
- ✘ New late payments while you're rebuilding
- ✘ Maxed-out cards
- ✘ Applying for lots of new credit at once