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How Long Does It Take to Repair Your Credit?

July 11, 2018

Credit repair is the process of fixing a poor credit standing. Sometimes this term is associated with companies that offer credit repair for a fee. But there is nothing that credit repair companies can do for you that you can’t do yourself. If you are needing some help with restoring your bad credit back to health, read on.

Often, credit scores suffer after some type of financial setback, such a job loss, or a large, unexpected expense that makes it difficult to keep up with your monthly payments. If you don’t have an emergency fund, and your accounts become delinquent 30 days or more, that negative payment status will show on your credit report.

Serious delinquency could lead to the account being turned over to a collection agency. Either of these will have a very negative impact on your credit scores. 

So, if you have had delinquencies, how long will the credit repair process take?

Unfortunately, there’s not a shortcut. The length of time it takes to rebuild depends on how many delinquent accounts you have, how delinquent those accounts are, whether or not you have a bankruptcy filing. Depending on your situation, you might start to see improvements to your score in several months, but It could take several years if you have many delinquent accounts or other negative marks on your credit report.

Negative information, such as collections and late payments, will remain on your credit report for 7 years, while certain public record information, such as Chapter 7 bankruptcies,  remain for up to 10 years.

As times goes on, negative information on your credit report will affect you less and less, but serious delinquencies, such as charge-offs, collections and bankruptcy will take more time to recover from than a couple of missed or late payments.

Pay Attention to the Factors Affecting Your Credit Score

Keep in mind the two most important factors in determining your credit scores are payment history and credit utilization rate.

Payment history is used to determine if you are paying your bills on time and if you are paying the amount you agreed to pay. Credit utilization ratio (or credit utilization rate), is the ratio of all your credit card balances in relation to your credit limits. Your credit utilization ratio should be 30% or less.

Managing these two items going forward without any glitches will have the greatest positive impact on your credit scores.

3 Steps to Repair Your Credit
  1. Bring any accounts that are currently past due up to date and make sure that you pay at least the minimum payment due before the due date. Set up automatic payments to make sure you don’t miss due dates.
  2. Tackle accounts where you are over-utilized first, meaning your balance owed is close to your credit limit—with the aim of getting your credit utilization to 30% or less.

  1. Order a copy of your credit score. If you get a FICO® Score from Experian, you will receive a list of the top factors that are currently affecting your score the most—either positively or negatively.

Although repairing your credit can take some time, the benefits and cost savings are worth the effort. Good credit scores give you access to the best interest rates and best terms for loans and credit cards. Keep your balances low and make all your payments on time going forward, and your credit score should continue to improve. 

Check out these additional articles about repairing and rebuilding your credit: 

You can get more information about how to monitor, protect and manage your credit here at experian.com/education. If you have questions, submit them through Experian’s Facebook or Twitter with the hashtag, #AskSusie. You can also email me your questions directly at [email protected] and I will answer them here.

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                 9 Credit Terms That Will Help to Increase Your Financial Knowledge

Could increasing your credit vocabulary improve your financial well-being? Test your knowledge of these nine important terms that can help you maintain healthy credit — and get the most from your credit card experience.

1. Annual Percentage Rate (APR)

Credit card companies may charge interest in exchange for letting you carry balances. You may avoid an Interest Charge on purchases if you pay your balance in full each month. However, if you pay less than the full balance, an Interest Charge may be added to your account. The Annual Percentage Rate is a measure of the cost of credit, expressed as a yearly rate. The higher the APR, the more that you will pay.

2. Bottom Line

You may hear this phrase used everywhere, but here's a quick explanation of the financial definition: the "bottom line" is your monthly income less your monthly expenses.

3. Balance Transfer

You may be able to transfer a balance from one credit card to another, usually to take advantage of a lower interest rate. Transfers are limited to the available credit on the receiving card.

4. Dispute

If you think your bill is wrong, write to your credit card issuer at the address listed on your statement, within 60 days of receiving the first statement where the error appeared. The credit card issuer must acknowledge your letter within 30 days, and correct the error or explain why they think the statement was correct within two Billing Cycles, but no later than 90 days after the receipt of your letter.

And here's a tip to help your dispute: If you notify the credit card issuer of a possible error in writing, you may not have to pay the amount in question while it is investigated. (Though you do have to pay the rest of your bill.)

5. Grace Period on Purchases

Many credit card issuers give you a Grace Period on Purchases if you pay your balance on your statement by the due date each month. If you don't, you may not get a Grace Period on Purchases until you pay the balance by the due date for two months in a row.

6. Secured Card

A Secured Card is a credit card that is collateralized, or partially collateralized, by a cash deposit held in a special savings account or certificate of deposit. Some banks may require that the deposit remain in the account until the credit line is closed or the bank decides security is no longer necessary. The credit line on the card may sometimes equal to the amount of the deposit. If the cardmember defaults on the card, the issuer may apply the deposit towards the outstanding balance.

7. Variable Interest Rate

A Variable Interest Rate is an interest rate that changes based on an economic index such as the Prime Rate or the U.S. LIBOR Rate. For example, a variable rate credit card with an interest rate like "Prime + 5.9%" means that the interest on the card is based upon the Prime Rate plus an additional 5.9%.

Not entirely sure how Prime Rates are calculated? Read on.

8. Prime Rate

The Prime Rate is the interest rate that some major banks charge to many of their best corporate borrowers. Each bank sets its own Prime Rate, though because the rate is so competitive, sometimes the rate is the same at all banks.

For consumer loans — including credit cards — banks and other lenders may use the Prime Rate as a base for calculating variable interest rates. For example, a credit card might carry an Annual Percentage Rate (APR) based upon the Prime Rate + 7.4%. If the Prime Rate today is 3.25%, the rate on the loan will be 10.65% (3.25% + 7.4% = 10.65%). If the Prime Rate drops to 3% when the price on the loan is next evaluated, the rate on the loan may go down to 10.4% (3% + 7.4% = 10.4%).

9. Revolving Credit

Never again will Revolving Credit make your head spin. Simply put, it's a credit agreement that allows consumers to pay all or part of the outstanding balance on a line of credit or credit card. As the balance is paid off, it becomes available again to use for another purchase or Cash Advance.

Looking for more definitions? Check out Citi's A to Z glossary of the most commonly used credit terms here.