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How long before credit score go up?


tez22
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About how long will it take for my credit score to go up and about how many points will it go up if I've paid down all cc's($totaling $4000) to $0 bal., got all past due accts. up to date, and not apply for any credit for 6 months?

Is this enough info?

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It all depends....on a secret mathmatical formula...so no one can say for sure...

I estimate that util is worth in the neighborhood of 80 pts, so paying down your cc's will give you a significant boost...if they were maxed.

6 months of on time payments help but the big boost is at 24, that is why the FICO simulator uses 24 mo all the time.

How much will it go up???? also depends upon your credit age, etc.

YMMV (your mileage may vary). :mrgreen:

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