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theloyd

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How quickly should good payment history affect my score?
My credit score is 650. I had some credit issues in the past but now I don't have anything that is delinquent and I don't carry a balance at all on my credit card. I opened this card ~6 months ago but it seems like I haven't seen the results of that good payment history yet. When should that start to happen?

Just FYI, my only other outstanding debt is about $8,800 in student loans and I pay about 50% above what is due on it every month.

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bad credit dings take around 7 years to go away.

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