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creditoperfecto

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How can I improve my credit score after I paid all collections

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Top Contributor
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Randoms reply is correct. Be diligent in monitoring your report, paying on time, and overall usage, and you will see positive results.

Regarding the snarky response from Jwsister, I just dont understand his/her holier than thou response which is entirely unresponsive and unhelpful. Maybe people have been members here for a while but havent had the ability to be on as much as this person does to pass judgement on the length of membership of others. Why even make that comment??

Top Contributor
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Time.

It will take seven years for the negative stuff to fall off the reports (unless you have a Chapter 7 bankruptcy, which hangs around for 10 years). 
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In the interim, you can build up credit with a secured card, pay bills faithfully on time, and if you have a car loan or mortgage you;ve been faithful in paying, over time your score will rise.

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You signed up in March 2012 so, if you had taken advantage of the learning opportunity provided here, you would already have the answer.

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