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CareForCredit

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Reversing damage of delinquent payments
How long does it take for on-time payments to impact my score if I have some delinquent payments in the past that have brought it down?

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Every month that you make all your payments on time will help your credit score a little more. Late payments in the past will continue to hurt you but as time goes by the effects will be lowered. Generally, late payments will stop having a large affect on your score after about 2 years.

The more late payemnts you have, the later those payements were (30/60/90 days late), and the more recent they are will hurt your score to a higher degree.

You will start to see a nice credit score increase after about 6 months of on-time payemnts (it will go up each month by a little).

But remember, making payments on time are important but it's not the only factor. You also have to make sure that your balances are being lowered as well - this is your credit utilization and it should be low.

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