How long does it take for my credit rating to get back on track?

This is the credit trap to get a good credit rating you have to take out credit keep paying it & your rating shoots up.Good Luck

If you keep paying all your bills on time for next 24 months your credit score will be back where it was before it took a dive. The best guess is 2 years after the last late payment was reported to the credit agencies. Keep checking your credit score evry few months.

6 years

Depends on how much credit you can get. The more loans showing a good repayment history, the better your score.

There are other factors of course. How long you have lived in the one place, whether you are a home owner or tenant, whether there are periods you haven't been on the voters roll, if you have a landline telephone, what your job is and how long you have had it.

If you change job frequently you will never raise your credit score, even if you are well paid.

Typically most creditors that review your report will look at your payment history from the last two years. So that will be my answer. That will of course depend on when your last late payment was. They can remain in your report for 6-7 years though.

I had a credit score of 465 in February and after paying everything down and fixing incorrect info on my credit report and negotiating with my creditors I have all scores around 650. Just pay off what you owe and your credit will shoot up.

Mobile Phone plans are really good for getting your credit back on track

depends how much it was and how late.

depending on those two things and it can be up to 6 years.

http://www.financecomparator.co.uk/creditreport.ht...