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MrsPHill

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How long before I get high score back and what do I need to do to get it back on the right track?

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It can take months to years depending on your specific situation. Looking at many of the answers in the forum you can see what the standard steps to take are...

  • Never, ever, pay late.
  • Work to pay down your debt to less than 20% of your total credit available.
  • Do not apply for unnecessary credit.
  • Strive to keep your present credit and ask for credit increases from your present accounts.
  • Do not close any accounts, and use them occasionally to be sure to keep them active and open.
  • And finally, review your credit regularly and dispute any item that is not yours.

Only time will improve your credit, but following the above will ensure that it does eventually increase.

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