How fast does your credit score go up when you have negative things removed from your credit?

Credit scores are usually computed each month. So give it 30-60 days. Understand that negative things that are less than 7 years old will not be removed if valid. If you contest a negative entry, it will be temporarily be removed. Then when verified, it reappears and your score will be be recomputed as necessary.

Longevity on your credit report works in two ways:

- once items are old, they have little impact on your score so if things are now 6 or 6.5 years old, you won't see much change in your score when these items fall off the report.

- on the other hand "how long you have had credit does matter", so if you only have old items and get rid of them all, your credit score may actually dip because you don't have the longevity that you previously did.

I can only speak personally. My score took a dive due to illness and it took every day of the seven years for the negative items to fall off my reports with me keeping diligent watch on it and disputing each time-barred debt as it came up for eligibility. In my case, it took my score roughly a year to slowly climb back up to the good category. There was an incremental rise each time a negative item fell off.

You need 24 months of on time payments to a credit card or dept store charge card.