How long does it take for credit scores to rise?
Actually, it can take a surprisingly short amount of time for your credit scores to start to improve. You can actually improve your score within six months to a year once you change your behaviour. What you really have to remember though, is that you have to do it consistently over that six months to one year period. If you start making your payments on time, keep making them on time. If you pay off some of your balances to lower how much outstanding credit you've actually used, keep those balances low.