credit score question?

Question

I am trying to find out how long it takes for your credit score to go up. I had some credit card debt and I was behind on payments for a few months due to health reasons and I was out of work but anyways, This month I have paid them all off. Some of the credit cards I did a settlement. How long does it take to show on my credit report that I have paid those off? And I am assuming that does help my credit score correct?

Answer 1

You'll need 6 to 12 months of on time payments before you see improvement. The more on time history, the more improvement.

Answer 2

The late payments and the settlements will have a bad effect on your credit score. But, since you did pay them settle them, that will show as well, this will help out a little. Not all credit cards and other places report on a normal basis. The best thing to do is to check it every 3 months. Also you are allowed to check your credit report for free once a year. I think you need to google free annual credit report. Hope this helps.

Answer 3

You should see a small improvement in a month (like 10 points). If you want to improve your score up to 200+ points within 90 days you should check out the solutions offered at http://www.your-credit-solution.com/creditsolutions.htm .

Good Luck!

Answer 4

It takes about 3 - 9 months for your credit score to bump up unless you're working with one of those credit repairing agencies.