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How long does it take to repair bad credit?

Discussion in 'Credit repair & credit score' started by Loona, Nov 21, 2015.

  1. Loona

    Loona Member

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    Nov 18, 2015
    So, once you begin the process of repairing your bad credit, how long before changes actually take effect? Is there any way to speed up the process?
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  2. peter

    peter Member

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    Jul 8, 2019
    It takes three to six months to repair your credit score. If you have pending payments just clear it all. It will help you to improve your credit score by 100.
  3. Joyce Baker

    Joyce Baker Guest

    Rebuilding your credit after a disaster can be a long process, but there are a few steps you can take to help increase your score within a couple months.

    Pay Off Your Credit Cards And Lines Of Credit – This is one of the fastest ways to increase your score and it will also lower your debt utilization ratio, the difference between how much credit you’re using and the credit limits. Paying off debt with another loan would show up on your credit report and could do more damage than good, even if it is for a lower interest rate. It is best to just pay it down using your income, savings, or selling some of your stuff for extra cash
    Last edited by a moderator: Jul 24, 2020
    007 Credit Agent likes this.

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