Comment from NIKK F
Time February 13, 2010 at 11:59 pm

It really dependds on how quickly the company reports. Most compaines will report about every 90 days.

Comment from ?asker
Time February 14, 2010 at 12:18 am

Not sure but good question

Comment from Danielle
Time February 14, 2010 at 1:00 am

It takes a while. There really isn’t a quick way to get your credit score up a significant amount.

Comment from Georgie
Time February 14, 2010 at 1:18 am

One trick . Get rid of one credit card at the time instead of a little bit of each. Once you finish paying it off, it may be a good idea to cancel one of them so you don’t have so much revolving credit available to you ( Basically lenders look at that credit card as a risk, because you can choose to spend to the limit the minute they give you the new loan)

A clean credit card is still credit that you have taken out.

Comment from Steve in Seattle
Time February 14, 2010 at 1:53 am

This is a good plan – paying to at or near 25%. When I was originating mortgages several years back, I couldn’t see any changes in my clients scores, but I was fortunate to have TWO refinance clients that told me that “the plan worked” and within about 2 to 3 months their scores had come up an average of 50 points. I also know that they kept at that points – and didn’t add any new cards – and told me that they were up almost 100 points within three quarters.

Comment from rt66lt
Time February 14, 2010 at 2:06 am

I’m not sure. My credit cards have always been paid off, or nearly so, for the past several years. I am currently buying a house and was told my credit was excellent (though I wasn’t told the number).

One word of advice, do NOT close any credit card accounts. Pay them off, but don’t use them (actually, use them just enough to keep them open). If you close them off, it may sound good; but it actually has a bad effect on your credit score because your available credit drops. I don’t know the particulars of this, but it does work that way and it will screw up your credit report.

Comment from lilpuppy6
Time February 14, 2010 at 2:47 am

Crazybird,
Be careful of the “advice” you recive on these forums.

One poster recomended you close some of your credit accounts once paid down? (DO NOT DO THIS) that will hurt your score.

Keep all of your cards about 25% credit limit utilization, pay all of them on time, every time, you can expect to see an increase of about 10-15 points a month.
BONUS:
If you know someone that you trust, and that trusts you, IF they have great credit, they can add you as an authorized user on one of their accounts. (they do not need to give you the actual card).
Within a month, all of their positve credit history on their account will show up on yours, and depending on how “old” their account is..you can expect possibly a 100 point boost. I have done this.
Good luck.

Comment from B.B
Time February 14, 2010 at 3:10 am

6 months to a year

Comment from bkbarile
Time February 14, 2010 at 4:04 am

fast, trust me, get a Wamucard, they always give you your credit score for free, I have been tracking mine for some time

just paying off 25% will be huge for you

I bought mine up from low to a mid 700′s in like 9 to 12 moths

Comment from joe c
Time February 14, 2010 at 4:47 am

its a slow process but is well worth the reward. I went from a 520 (yeah sucked that badly) to a 634 in less than a year. It took a while as I had a lot of old debts I paid off but sure if you already have the cash to pay them off and keep your credit ok, then you’ll get it up there pretty quickly. Keep the cards you have but don’t apply for anymore credit.

Comment from harish
Time February 14, 2010 at 5:10 am

Small steps like paying your bills on time and using only part of the credit available to you. Also use your credit cards for making small payments regularly, so that it is reflected in your credit record. More tips available at http://www.acreditlibrary.com/buildcredit.html