Sadly, things can stay on your credit history for a long time – so if a lender runs a search on your file, these will show up and amount to a bad credit score. The minimum amount of time that black marks on your file will remain there is six years. But it can be longer.
Therefore, it is a good idea to take all steps you can to improve your credit rating to help balance out any black marks and help bring your credit score up as best you can. That also means ensuring in the future that you do not miss any more payments on debt you have or settling any overdue invoices as soon as possible.
To that end, it may be a good idea for you to consider consolidating any debt you have into one place, making it more affordable for you to pay off – and more quickly too.
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