9 Thoughts on How long does it take to get bad credit? How long to repair it?
  1. Reply
    July 12, 2011 at 6:51 am

    Pictue a glass window. t takes only seconds to screw it up, but could take forever to repair it.

  2. Reply
    July 12, 2011 at 7:08 am

    Not paying bills on time lowers credit rating.
    Takes years and years to get credit rating back up. bad credit can remain for 7 or so years on your report.

  3. Reply
    Laissez-Faire Guy
    July 12, 2011 at 7:37 am

    Probably takes maybe 2 or 3 months to ruin it, a couple of years to repair it back to where it’s decent.

  4. Reply
    gettin it
    July 12, 2011 at 7:41 am

    ruining your credit can be very fast like a couple months, repairing it can and will take years. My advice , don’t do it ! !

  5. Reply
    July 12, 2011 at 7:51 am

    i have been trying to repair my bad credit for 2 years…just now able to get financing, and decent credit cards.. takes alot longer to repair than to ruin!!!!

  6. Reply
    July 12, 2011 at 8:07 am

    Generally speaking, If you stop paying on a credit card, you have 30 days after the due date before the creditor can tag your credit. I believe the same is true for any loan secured or otherwise. Stop paying for 90 days, and expect collections to start. In the meantime, expect to be charged out the rump for late fees, default interest rates, regular phone calls at all hours of the day and night, and the like.

    Any single negative instance will put a cut in your credit. It takes only a few to make a bad dent.

    Restoring credit takes a heck of a lot longer than it took to get you there. Kinda like gaining weight. The instances will stay on your credit report for years and years, usually 7 to 10. Additionally, there’s not a lot of motivation for those whom were disadvantaged, so you will have to regularly check and write and bug and pester to have items removed after their time period has expired.

    If you think you’re going to be in a pickle, better to attempt to work it out than ignore it. You may have a bad mark or three, but it’s a heck of a lot better than 3AM phone calls.

  7. Reply
    june e
    July 12, 2011 at 8:28 am

    2-3 months u can get a bad credit and 1 yr to get it fixed:

    Bad credit can frustrate your efforts at getting a credit. Hence ensure you keep your credit report clean. If there are any errors in the report, undertake credit repair to clear out any errors. This can be tiring and frustrating, but highly rewarding. Though law recognizes and protects your rights, it is your duty to remove any anomalies in

  8. Reply
    July 12, 2011 at 9:25 am

    You can mess up your credit in as little as 30 days and it takes a long time to repair it, so don’t mess it up if you can avoid it.

  9. Reply
    July 12, 2011 at 9:37 am

    It can go fast.

    Good idea to destroy your credit, Equity loans companies are waiting for to to pay them a 40% interest rate !


    Good luck !

    Leave a reply

    Register New Account
    Reset Password