How long does it take for your credit score to increase after you paid off the majority of your debt?

Public Comments

1. you can call and have it updated immediately, as far as the score going up you still need to build credit and maintain it.
2. About 90 days?
3. Theres a lag of 1-1.5 months before your score is updated.
4. The more you use it, the more you move it. More paid in full accounts by the end of a billing period will raise the score faster. Minimum payments will lower the score.
5. At least a couple of months. The credit bureau wants to see consistency, and does not judge on just asingle isolated occurance in your payment history.
6. i think it takes about 2 years
7. Most creditors will report your account to the bureaus monthly at the same time that they create your account statement. Your credit score will improve as the ratio of your debt to your lines of credit goes down. Once you get under 10%, that's about as good as it gets. Note: this total of all revolving credit.