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How long to build back


smith
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I have a few settlements on my credit as well as some late payments. I paid off everything about a year ago. My scores are around 610 now but i was wondering what they could be like in another year from now if i have on time payments? I also now just have 2 credit cards and only owe 200 on each with both having 1000 limits and havent been late since a year ago. Do you think my scores could be around 640 or 650 in a year or so?

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Closest estimates show FICO offers relief after 24 months. You should see an increase in your scores, but it's really hard to say how much. Could be a lot or a little.

Keep plugging away at the negatives in the meantime...

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