How long does it take for a credit score to go up once you have cleaned up your credit report?

Answer 1

The credit score is revised monthly. Each of the three major credit bureaus has its own credit score, so there may be some variation on each credit score depending on the credit report for that particular credit reporting agency, but if major positive changes happen across the board the result should show up in the credit scores within 30 days.

One of the major determining factors affecting a credit score is the total unpaid balance of revolving debt, i.e. credit cards. Pay down the balance on these and the credit score will take an immediate jump upward as soon as the new lower balances are reported. It does not take a long time for this to happen and the change would happen within 30 days, depending on the billing cycles of the creditors involved.

Answer 2

First you need to wait for the three credit bureaus to receive all the new information. This could take 30 days or more for each tradeline.

Then you'll need to wait for the score to be reflected, which could happen after those 30 days, but will depend on how long each bureau takes to report the new information. It could take longer for some of the bureaus.

And it depends what you cleared up. If there were mistakes that were removed, the scores should rise fast. If it was balances paid off, it will take a couple months once reported to see a nice jump in the score.

If you're impatient, you could do a rapid rescore, but that costs money. And takes about 72 hours, and is does not guarantee scores will be as high as you may want them.

The bottom line is that credit shouldn't be rushed, and if you aren't applying for anything major, there's no reason you should be worried about your credit score. Just keep doing the right things, and the score will reflect it.

Learn about credit at http://www.thetruthaboutcreditcards.com

Answer 3

Your credit report will be clean in within about 6 months after you pay everything off, but your score takes a while to go up. It's much easier to bring it down. You may have to make some small loans, etc to help bring it up.