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Debt Relief – Insolvency – Bankruptcy Information » Credit Card Consolidation » how long does it take for your credit score to go up after finishing a credit card consolidation program ?

how long does it take for your credit score to go up after finishing a credit card consolidation program ?

i payed my cards off in this program, and its been a month since i finished.


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4 Responses to "how long does it take for your credit score to go up after finishing a credit card consolidation program ?"

  1. Jo Han says:
    I am glad you got your debt paid off, but you just paid a third party company a butt load of money for something you could have done yourself for free. Either way, your credit score got screwed, but if it was bad enough in the first place it wouldn’t matter. Anyway, credit is overrated. You don’t need it for anything unless you’re buying a house. Credit score = “i love debt score”. Get yourself a debit card and pay cash for everything else. To answer your question, you’ll have to build your score back up, so it just depends on what you do to accomplish it. If you buy a used car and make your payments on time, it will help. If you get a credit card and make payments on time, it will help. Use credit responsibly and it will go up.
  2. Common Sense says:
    A month? Bahahahahahahaha. Try YEARS, and it’s PAID.
  3. Use Your Noodle says:
    Your score does not magically go up because you pay off bad debt. In fact, if this debt was charged off or seriously delinquent, the damage to your score was already done.

    The only way to get your score back on track and rebuild it is to get a secured credit card if you can qualify for one. You most likely will not qualify for an unsecured credit card just yet.

  4. stan c says:
    A credit score is based on a 12 month activity and usually goes up between 5 to 10% per month providing you are paying on time. Since there is no activity, it will probably take 24 months to boost your score between 660/749 which is good. If you’re employed at least 12/18 months and have $500 in a savings account. you might be able to convert it into a secured credit card from a bank. Make sure they belong to the credit bureau. Use it for gas and small items and always pay the balance the following month.

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