Credit Advice » Report Advice » Report Details » Negative Information » How Long it Takes for Your Credit Score to Change

How Long it Takes for Your Credit Score to Change

Dear Experian,

How long after negative information is removed will it take for your credit score to go back up? When viewing your credit report, can a business see if you have been denied credit?


Dear FSU,

It is impossible to say precisely how much a credit score will change or how quickly because credit scores consider your entire credit history. How long it will take for your credit scores to improve and by how much depends on the information that was removed and how it related to your overall credit history.

There could be significant improvement quickly if there is no other negative information remaining. However, you could see very little change if there still are late payments or public records – court judgments, tax liens, or bankruptcy – in your credit history, especially if the remaining negative information is more recent.

Your credit report does not indicate if an application was approved or declined. There may be an inquiry indicating you applied for credit. The only evidence of approval would be the appearance of a new account. However, if a new account is not added, it does not necessarily mean you were declined. You simply could have chosen not to accept the loan. Lenders do not interpret the appearance off an inquiry without a new account as a declination.

Thanks for asking.
The “Ask Experian” team

Review Your Free Experian Credit Report Today

Good credit begins with knowing where your credit is today. Get started with your free Experian Credit Report, updated every 30 days on sign in. No credit card required.

Get Started for Free

Synthetic Identity Theft: Can You Spot its Risk Factors?

Synthetic identity theft is harder to combat. Find out what you should be doing to protect your information.

Ask Experian for Advice

Your privacy and the information collected here.