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What are the chances of raising credit score 40-60 pts in 1 year?
Recently paid off 2 collections one that was reporting actively and one that stopped reporting 2 months ago. As of now everything is paid in full. The only other debt we have is our car payment which we have made on time for the last almost 2 years since we bought it. We only financed 12000 for the car. We also just got a low limit Capitol one card, charged 25% and have paid our first month off in full. Is it realistic to think in the next 10-12 months we can raise our score 60 points with on time payments

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