How long will i take for me to up my credit score from 581 to say 651?

Question

I'm trying to pay off my credit card its currently 700 over the limit and I turned off my card..and I have a few late payments from my car like from two years ago ...

Answer 1

I would say up to 6 to a year.. Good luck

Answer 2

Depends on why it is 581. If it is chargeoffs, and no pays 7 years before they come off. If you are just a little late, and have high balances how fast can you get them currant and pay down the balances to less than 30% of the limit? Too many variables without enough information.