About how long will it take to see my credit score go up?
Right now I have a credit score averaging 690 on all 3 credit companies. I just paid off a collection from a medical bill on an accident I had years ago. I only owe a couple hundred on a credit card that I always pay off regularly. I do have about 5 credit cards because I thought they would help to improve my credit. Three of those cards I got in the past year and the other 2 over 3 years ago. I paid off 2 car notes already and co-signed for my brother’s loan. I have 2 bad marks on my credit reports (beside the collection) for being 30 days late. One of them was 2 years ago for my capital one where I decided to pay on line and i used my savings account, but I didn’t realize until I got my next statement that my bank didn’t allow it. Recently my brother didn’t remember to pay his car loan and it went on my credit report. So if everything goes approx. how long will it take for my score to reach 720? Also could I dispute the capital-one late mark since I tried to pay and didn’t know?