How long does it take to rebuild your credit history?

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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. [1]

According to Equifax most negative information generally stays on credit reports for 7 years. [2]

  • 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.

According to reliable resources mentioned above it takes:

~ 2555 days, 0 hours, 0 mins, 0 secs

* The above data is an average value.

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