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mintjuulpodluvr2000 OP t1_jaeftbl wrote

Reply to comment by Singer2024 in 22 yr old credit questions and advice by mintjuulpodluvr2000

Starting a payment plan for my car debt soon!! Would mt credit go up from this even with the delinquent marks?

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Singer2024 t1_jaege6i wrote

No, it won't. It's not like credit card debt where lowering utilization improves your score.

As time passes ( years, not months ) the impact of the delinquency gets less and less.

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