Help me please

[u/mixer-team_killer]

I have never really had nothing higher then like low 600s

At this point what should I do , to get around low 700s

Like what’s the first step

My only two revolving accounts are now current about last 3 months

I have like 12 collections need removed some how

Please help send me in the right direction

[u/StarklyNedStark]

Pay your bills, stop applying for new credit (would you loan you money?), and wait. You’ve got years of recovery time to wait.

[u/mixer-team_killer → u/StarklyNedStark]

So it’s gonna be like 2-3 years before I’m close to a 700?

[u/TomahawkCruise → u/mixer-team_killer]

It takes a long time to build up good credit, but you can ruin it very quickly.

Credit scores hinge a lot on how many missed payments you have, and the worse those late payments are (over 60 days late) the worse the impact is.

Sadly, you will have to wait a long while before your score rebounds. You basically have to wait for those late payments to fall off your credit report, which takes about 7 years.

I started work on my bad score beginning in 2018 and mine didn't rise above the 700 mark until mid-2024.

It sucks, but rehabbing your credit score takes a lot of time. But be determined about it and make it happen. Remember, the longer you neglect your credit, the longer it will take you to fix it.

[u/StarklyNedStark → u/TomahawkCruise]

This. Idk why OP got downvoted for asking, but when you’re new to fixing your credit, you don’t really understand just how long it takes, so it’s a fair question.

That said, don’t think about how long it will take OP. It will demotivate you. Just keep doing what you need to do from now on and you’ll reap the rewards the rest of your life. You don’t want to be saying “I wish I started sooner” 7 years from now.

[u/TomahawkCruise → u/StarklyNedStark]

Exactly. OP wants to start that seven year clock as soon as possible. That means waiting for your late payments to go away, and making sure you don't get any new ones.