I had very good credit but had too many credit cards and was only able to make minimum payments so I used a program 2 years ago to pay them off. My credit score went way down. I knew it would take a hit but had no idea that all creditors wouldn’t be notified at the same time thus causing me to have many late payments. I will be finished with the last credit card in May of 2021. How long will it take for me to have good credit again?