Mortgage loan modification and credit score?

it will take 12-18 months for the old notation of “past due” to age and not hurt your score as much as it is right now. be sure to pay everything on time for this period of time or u will be right back where u r now. the credit score is heavily weighted on performance in the last 12-24 months

Positive actions give positive results. Current is much better than past due. Yes, your score will improve over time. Each month you continue adding positive actions to your credit report, without also adding negative ones, will add to your credit score.

Your score is a complex equation which considers number of credit lines, payment history, amount of credit available vs amount of credit being used, judgments, charge-offs, inquiries by other companies, and lots more.

How long will it take to see an improvement? It’s really hard to say. But as long as you continue to stay current, reduce your balances on open accounts, and don’t add any negative info to your report (don’t apply for new credit, don’t make late payments, don’t get sued, don’t close a whole bunch of accounts at once) it will get better month after month. (Of course, you won’t see that happening, because you will be WISE and not have your credit report run unnecessarily just to find out!)

Generally, most people will not notice SUBSTANTIAL changes in their credit score over less than 6 months to a year AFTER negative situations are corrected.

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