How many delinquent accounts do you have? How delinquent are those accounts? Do you have a bankruptcy filing? These are just few questions that determine the length of time that it would take to rebuild your credit score.
Do not go beyond the 30-day period.
Negative information stays for seven years.
Negative information is a credit report data that hurts credit score. These are bankruptcies, charge-offs, delinquent accounts, accounts that have been sent to collection, late payments on loans and credit cards, short sales, deeds in lieu of foreclosure, and foreclosures. If you have any of these, that’s seven years in the bureau.