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I am just a couple years out of college, and ran into financial troubles a year ago that really messed up my credit. Now, a year later, my score is back up to 620–which obviously still needs a lot of improvement. What are the fastest ways to get my score up, and how long might it possibly take to reach 700 or higher? I have one major credit card that is paid off but still open, along with 4 store credit cards with about a $ 300 balance on each (not near credit limits). I have a car, but my mom cosigned with me on that. Any advice would be appreciated!

4 Thoughts on How quickly can credit be repaired?
  1. Reply
    peter
    July 27, 2011 at 7:16 am

    I think the below website helps you to raise ur credit score

  2. Reply
    bostonianinmo
    July 27, 2011 at 7:51 am

    Valid negative information remains on your credit record for 7 years. Bankruptcies remain for 10 years. There’s no way but time to bring your score up.

  3. Reply
    bill b
    July 27, 2011 at 8:14 am

    Lots of info here.

  4. Reply
    iceman
    July 27, 2011 at 9:06 am

    Its quite easy to bounce your score from low to average. Meaning that alot of people have scores in the 500s just out of college and can quickly get them up into the mid 600s with income and proper credit card use.

    Getting your score from the mid or low 600s up over 700 will take some time. Achieveng a good credit score takes years of good good credit use, and all credit blemishes from younger days will have to have dropped off your report.

    Hope that helped

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