Free Credit Report Clean Up
2010
I just recently cleaned up my credit. How long do I need to wait to start applying for credit?
During my annual free credit report check, I found out I had a collection from Verizon Wireless. I paid that off in full on May 19th. It has been over 30 days since I cleared it.
I am in dire need of a washer and dryer for my new rental house so I want to shop around, but I will have to put it on credit. Other than that collection, everything on my credit is superb.
My question is:
How long will it take for that collection payment to make all my credit reports clean? 30 days? 60 days?
Also, a little side question: Will that collection hurt my credit from now on even though I paid it off in full? Will it still remain on there but just say that I paid it?
You may not be approved for credit if you apply now. You have to have good payment history for atleast two years. Applying for credit would create “hard enquiries” that will drop your credit score furthur. I would also advice using a laundromat or buying used washer and dryer by paying cash for them. It is good for your credit in the long run.
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