Question by missboogermonster: After I pay off all my debts, how long will it take for my credit score to become excellent again?

Joshua will I be able to open a new line of credit with the credit score being poor?

Best answer:

Answer by Joshua H
You have to open a new line of credit and pay it off on time. Your credit does not just automatically go back up.

Yes, there are stores and companies that do not require a credit score to open a line of credit. (I.E. moneymutial, Aarons, etc)

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