How quickly anyone’s credit score will change depends on the details contained in each individual’s report. Because it takes at least seven years for credit details to be removed from a credit report, someone with several missed payments over the past two years could expect it to take longer for their score to improve. Someone with a few missed payments six years ago could see a faster improvement, provided the payment history since then has been excellent. https://www.transunion.com/blog/debt-management/how-long-rebuild-credit
According to Equifax most negative information generally stays on credit reports for 7 years. https://www.equifax.com/personal/education/credit/report/how-long-does-information-stay-on-credit-report/
- Late and missed payments remain on a credit report for up to 7 years from the original delinquency date.
- Collection or charged-off accounts stay on your credit report for at least 7 years.
- Bankruptcy public records stay on your credit report from 7 to 10 years, depending on the type of bankruptcy.
So in most cases it takes at least 7 years to rebuild your credit history which is 2555 days.