HOW FAST ARE U SEEING YOUR SCORES GO UP?

[Anonymous]

I know everyone's credit situation is unique and nobody can really say how long it will take one person to raise their score, but just looking for ballparks.

Are you seeing a steady increases at 12 months, 24 months, 36 months of effort? I have been looking at some members signature lines and it seems like you can expect some pretty decent improvements in just a year.

[Anonymous]

The biggest increase I saw was when I deleted all negative items off my credit. I have 8 revolving accts with the oldest being 18 months old and the youngest being 9 months old. I have never missed a payment. My scores are the roughly the same as they were this time last year.

[Anonymous]

Interesting. I have been at this for just a few weeks and saw a 10 point increase. Somewhere on here, I saw a girl who raised her score 130 in 12 months. Just curious to see everyone's unique experiences.

[Anonymous]

The biggest I've seen in the past few weeks since joining is +22 pts for my wife's CR. That was when one (of 3) CC's reported a zero balance after being up around a 80% util in recent months. But then this weekend her EQ dropped 15 pts for an installment account being PIF and closed. So it's going to continue being up and down I'm sure. My EX jumped 38 pts this week with a new zero balance on same account but, unlike my wife, I don't have any collections or judgments on my CR.

[Anonymous]

124 points after some clean up I strated almost 5 months ago. Still have some collections and charge offs that I'm working on and very very curious what kind of result it will be.

[Imperfectfuture]

101 to 123 (waiting for latest disputes tu and cap one report ex) after cleaning up as many baddies as could. Ex is clean, TU has $397 in small med collections from one agency that is pain in butt to deal with.

However, I was also building positive trade lines since May 2013, and other medical collections were either easy PFD's or backdated charity care write offs.

Expect to be clearly in 700+ club by march, April 2015.

[Anonymous]

My TU went up 197 points in a month, from 551 to 748 after getting my baddies deleted (EQ and EX still have a few showing).

I started on 8/24/2014 with scores EQ-531  TU-551  EX-534 and here are my current scores:

[Anonymous]

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@785FICOLOVE wrote:

Interesting. I have been at this for just a few weeks and saw a 10 point increase. Somewhere on here, I saw a girl who raised her score 130 in 12 months. Just curious to see everyone's unique experiences.

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When I started february of last year my credit score was a 523. I cleared up all of my debt and got three credit cards, kept low balances, by june i was at a 660 for all 3 bureaus. As I aquired more debt and kept higher balances, my score fell. Now its a 603. It stays that same amount and doesnt fluctuate. If i pay the balances i can recover some of my points but even with. making on time payments for almost two years on 3 accts, I havent hit 700.

[Anonymous]

Mine started in the 480's begining of March (sad I know). After learning as much as I possibly could, getting a few collections off, getting all my student loan lates removed...I'm around 640 now on all 3 crbs. Haha so 160 in 7 months...not to bad. I still have 3 civil judgements I'm working on and two collections...can't wait to see what happens to my scores when they come off. Credit rebuilding is addictive

[Anonymous]

Mine went up 80 points when the BK fell off.