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Runon wrote:
Right now, I have a fico score of 651 (based on what equifax says... but i heard equifax is FAKO, and not truly FICO.. can someone here confirm?). I had a few negative accounts which have really hurt my score, and on top of that.. dummy old me decided to apply for a credit increase and was turned down. I think my credit score was aroudn 700-720 before. I have 4 accounts flagged as negative (they are no longer, but were at one time) that range between 6 months to 2 years ago, and my last late/delinquent (60 days) was about 6-7 months ago. If I make all my payments on time and keep my debt to credit ratio at a good rate... how long do you think it will take for me to get back to that 720 mark? I'm hoping within 1-2 years, but I do know that negative/delinquent marks last for 7 years..