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Question By
JackHoney

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How long will it take me to increase my credit score by 80 pts? Everything is now in good standing.
Have a couple late payments..

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Top Contributor
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I am certain that in 7 years from your last payment you will see a substantial increase to your credit score, providing you have no more late payments.   One cannot give you an estimate on time without having other factors.  If you are at a 520, you can get 80 points a lot easier than you can if you have a 750.   The higher your score, the more you have to work for your increases.   If you are carrying balances on your credit cards, how long will it take you to pay them down to a zero balance every month?   Thats probably how long it will take.

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