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Always remember how difficult it is to increase your credit score and be sure to maintain it! I am a mortgage officer at a community bank. I cant get approved for a loan based off my credit. I need the increase FAST ! I don't have much in my name, I have student loans, one paid off fully one doesn't start payments for months I have .
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Derogatory marks such as bankruptcy, tax liens, collections, foreclosure, short sales and civil judgments can be very damaging to your credit. They have a very high impact on your credit score. Most stay on your report for seven years. However, a bankruptcy under Chapter stays on your credit report for ten years..
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