how long does it take to repair bad credit 
this depends on how bad your credit score is to start if you re recovering from a bankruptcy it can take years to build up a good credit score however paying down debt to decrease your credit utilization ratio can have an impact in as little as a couple of months and be sure to keep paying your credit bills on time 5can i open too many credit cards there s no set limit on how many lines of credit you can have open at one time however applying for too many cards in a short period can hurt your credit score consider how much credit you actually need before opening a new card account 