How Long Does It Take to Rebuild Your Credit?


Quick Answer

There is no specific amount of time that it takes to rebuild credit. Once a credit problem has been resolved with a creditor, it can take up to several months for it to be reflected on a credit report. Credit problems not resolved appear on reports for seven years.

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Full Answer

Late payments and other instances that affect a credit report negatively can stay on a report for an undetermined amount of time, depending on the business. A hard inquiry on a credit report can remain for up to two years, and unpaid tax liens can remain for up to 10 years. It is always a good idea to monitor credit reports, including fluctuations and inaccuracies, according to About.com.

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