Score Recovery Timeline

[ak129132]

Hi everyone,

My score dropped recently from 770 to 670 due to a $300 collection item which showed up on my report. Otherwise, I have nothing else except credit cards only 2 of which I use and 5-10% utilization most of the time.

How long will it take for me to pull my scores back up to the 750s?

Thank you

AK

[denver133]

That collection will need to be removed in order to get you back up there.  It will take a couple months after you get it removed.   

Try a Pay for Delete letter and get it removed.   You will bounce back quickly.  

[ak129132]

Thanks, I am working on it, I wasnt sure what else I could do if that doesnt work. There is nothing else to improve on my credit report except maybe to push the utilization to 0.

[JamesKnox]

Dropping to a 0 UTIL will actually hurt you. If anything...drop it anywhere between 1% and 9%

[myjourney]

---

@denver133 wrote:

That collection will need to be removed in order to get you back up there.  It will take a couple months after you get it removed.   

Try a Pay for Delete letter and get it removed.   You will bounce back quickly.  

---

+1 this is what you should do and will help you the fastest

Good luck